Cash dispensing automated banking machine system and method

ABSTRACT

Automated transaction machines dispense currency notes and enable the conduct of transactions. In some cases a user is enabled to dispense merchandise from a self-service dispensing machine and is also enabled to selectively receive cash value by charging the amount of such value to a source of monetary source associated with data read from a machine readable article such as a card ( 80, 82 ). A user may receive cash value by presenting a printed voucher or other item to a service provider located at a facility ( 14 ) at which the service provider exchanges the voucher or other item for cash. Alternatively, cash may be dispensed to the user directly from the self-service dispensing machine. Alternatively the user may pick up merchandise ordered through the machine at a delivery station disposed from the machine.

CROSS REFERENCE TO RELATED APPLICATIONS

This application claims benefit pursuant to 35 U.S.C. § 119(e) ofProvisional Applications 60/831,562 and 60/831,504 each filed Jul. 17,2006.

This application also claims benefit pursuant to 35 U.S.C. § 120 ofapplication Ser. No. 09/439,718 filed Nov. 12, 1999, which claimsbenefit of Provisional Application 60/108,340 filed Nov. 13, 1998.

The disclosures of each of these applications is incorporated herein byreference.

TECHNICAL FIELD

This invention relates to banking systems, including specifically, usercard actuated cash dispensing automated banking machines and othercustomer service facilities.

BACKGROUND ART

Self-service facilities at which users may make purchases are becomingincreasingly popular. Allowing the customer to serve themselves enablesthe customer to work at their own pace. It also minimizes the number ofpersonnel that the operator of the facility must employ to servicecustomers. One type of self-service facility that is becomingincreasingly popular is a self-service fuel dispensing facility. At suchfacilities customers are enabled to pump their own motor fuel. Usersoften pay a cashier for the amount of fuel purchased. One cashier isenabled to monitor several fuel dispensing pumps and receive paymentconveniently from many customers.

Many motor fuel dispensing establishments have expanded theirmerchandise offerings to include other items. Many such facilitiesinstead of merely being a “gasoline station” are now a “conveniencestore” offering a variety of food and beverage items as well as otherproducts. This business model has proven highly successful as motoristswho must stop for fuel will often make impulse purchases of beer,cigarettes, lottery tickets, food and other items. These other purchasesprovide substantial additional profit for the operator. The customer isable to pick up items conveniently and to pay for such items as well asthe motor fuel they have dispensed.

In recent years more service stations and other self-service facilitieshave enabled users to make payment using credit or debit cards. In themotor fuel dispensing environment an electronic interface is oftenprovided through which a user may elect to pay either inside thefacility or at the pump. The user interface also includes a card readerinto which the user may insert their credit or debit card. If the cardis verified as a valid card, the user may dispense the motor fuel intotheir vehicle and have the charge for the merchandise applied to theaccount associated with the card. Many electronic self-service motorfuel dispensing terminals also include a receipt printer which providesthe customer with a printed receipt for their purchase.

While electronic motor fuel dispensing terminals are convenient, theyalso have drawbacks. One drawback for the operator of the facility isthat the customer no longer needs to go into the facility where othermerchandise is available for purchase. As a result, a customer is lesslikely to make an impulse purchase. This can lower the overallprofitability of the operation. A further drawback is that if thecustomer does wish to purchase merchandise from the facility, thecustomer is required to wait in line with other customers who are payingfor fuel and merchandise. If the customer does not have cash availableto pay for the merchandise the customer's credit card or other card mustbe verified again in a separate transaction inside the facility. Thisunduly delays the customer as well as other customers who are waiting todeal with the cashier or other individual service provider.

A further drawback with conventional self-service dispensingenvironments, including motor fuel dispensing environments, is that ifthe user does wish to make a purchase within the facility, the user'scar remains adjacent to the dispensing station. This often delays othercustomers who are waiting to fuel their vehicles. Customers may choosenot to wait and will simply drive to another service station rather thanbe delayed.

Most consumers prefer to pay cash for certain purchases. This isparticularly true for low value items. Many consumers do not believethat the delays associated with card-based purchases are justified whenthe item being purchased is of low value. Sellers also do not appreciatethe fees, delay or inconvenience associated with processing card-basedtransactions for very small amounts. To provide users with cash atconvenient locations, automated teller machines (ATMs) have beeninstalled in retail establishments. Such ATMs enable users to obtaincash by withdrawing it from their accounts through use of a debit cardor by charging it against a credit card account.

A drawback of using ATMs in some self-service environments such as amotor fuel dispensing station, is that it takes time for the user tooperate the ATM within the facility. This may translate into a delay. Adelay can be harmful for the operator's business if a customer's carremains at the fuel dispensing pump for an extended period while thecustomer is within the sales facility operating the ATM. This maydiscourage other customers from stopping. Further, if the customer findsa line at the ATM within the facility, the customer may choose not towait to obtain cash. As a result, the user will not make the additionalpurchases at the sales facility that they would have otherwise made.

Similar conditions and considerations exist in other types of customerservice facilities. For example, gaming facilities, amusementfacilities, ticketing and other environments may not provide optimumtransaction throughput and profitability due to customers having tocomplete a number of time-consuming steps. Such delays exist in bothself service facilities as well as facilities that are attended by ahuman service provider. Drive-through customer service operations suchas fast food restaurants also can cause customers to suffer delays andmay lose business due to slow transaction throughput. Customers in adrive-through fast food environment may limit their purchases becausethey have a limited amount of cash available. Customers in suchdrive-through facilities may be discouraged from using credit or debitcards because it may slow down activities at the payment and deliverystations. The operators of such fast food facilities as well ascustomers, may prefer that credit or debit cards not be used to makepayment as to do so will increase their wait to obtain merchandise. Thisadditional time includes not only the time required to authorize thetransaction using an electronic payment network, but also the additionalsteps associated with having the customer receive credit card or debitcard receipts related to their purchase. Potential customers consideringwhether to stop to purchase food or other merchandise from adrive-through facility may also be discouraged from stopping to make thepurchase if the wait appears too long or they have experienced a delayin the past.

Customers wishing to make a purchase from a customer service facilitybut who either prefer to use cash or are required by the seller to paywith cash, may first need to visit a bank or other facility with an ATMin order to acquire such cash. This requires the customer to make anadditional stop at another location before patronizing the customerservice facility. It is not uncommon for persons who might otherwiseintend to make a purchase to completely forego the purchasing activitybecause they have to take the time to obtain additional cash first. Thisis particularly true in operations like drive-through food serviceenvironments where the customer may stop if they have the availablecash, but can forego the purchase if they do not have the cashavailable. If the customer defers the purchase until they get the cashthere is an increased probability that they will make the food purchaseat the most convenient location after they have been able to obtainadequate cash. As a result the customer service facility that theconsumer may actually prefer may lose the customer's business becausethe customer considers being able to pay with cash a prerequisite.

Thus there exists a need for more efficient transaction processes andcash delivery methods for use in connection with customer servicefacilities.

DISCLOSURE OF INVENTION

It is an object of an exemplary embodiment to provide an improvedautomated banking machine.

It is a further object of an exemplary embodiment to provide an improvedcard actuated cash dispensing automated banking machine.

It is a further object of an exemplary embodiment to provide an improvedmethod for operating a self-service facility.

It is a further object of an exemplary embodiment to provide an improvedcash delivery method for a customer service facility.

It is a further object of an exemplary embodiment to provide an improvedmethod for delivering cash at a motor fuel dispensing facility.

It is a further object of an exemplary embodiment to provide anapparatus which achieves improved delivery of cash at a self-servicefacility.

It is a further object of an exemplary embodiment to provide an improvedmethod for operating an attended customer service facility.

It is a further object of an exemplary embodiment to provide an improvedmethod of delivering cash at an attended customer service facility.

It is a further object of an exemplary embodiment to provide an improvedmethod of delivering cash at a drive-through food service facility.

Further objects of exemplary embodiments will be made apparent in thefollowing Best Modes for Carrying Out Invention and the appended claims.

The foregoing objects are accomplished in one exemplary embodiment by asystem and method that are carried out at a self-service facility. Inthis embodiment the self-service facility is a motor fuel dispensingfacility which includes self-service merchandise dispensing machinessuch as fuel pumps. A facility located remote from the self-servicedispensing machines such as a service station or convenience store isassociated with the self-service dispensing machines. The customer maymake payment or purchase other merchandise at the associated facility.

In one exemplary embodiment the self-service fuel dispensing machineincludes a customer interface with an article reader for reading acredit card, debit card or other feature or article associated with asource of monetary value. When the user dispenses the merchandise whichin the described embodiment is motor fuel from the self-servicedispensing machine, the charge associated with the merchandise ischarged to the source of value.

The user is also enabled to input through an input device on theself-service dispensing machine an input corresponding to a request foran amount of cash. The charge for the amount is also assessed againstthe user's credit card or other source of monetary value from whichpayment is being made.

In some embodiments the self-service dispensing machine includes anoutput device such as a printer. This printer is operative to produce anitem which is a voucher or other printed document that may be redeemedby the user for an amount of cash. This can be accomplished by the usertaking the item to the facility and presenting it to a service provider.Alternatively information associated with the user or their transactionsuch as biometric data, a code or other feature may be used to identifythe user as being entitled to receive cash. The service providerprovides the user with the amount of cash. If the user wishes topurchase other merchandise or services, the value of the othermerchandise or services may be deducted from the cash which is providedto the user. Alternatively, the user may be provided with the cash andmay then provide a portion of the cash as payment for goods or servicespurchased. In some embodiments an item may be dispensed from theself-service dispensing machine which includes machine readable indiciacorresponding to the amount that the user is to receive. At the remotefacility the service provider may read the machine readable indicia witha reading device and dispense the cash to the user. This reading may bedone with a manually operable device for reading indicia orautomatically with a reading device connected to a cash dispensingmechanism.

In alternative embodiments the self-service merchandise dispensingmachine includes a cash value dispensing mechanism. In thesecircumstances the cash value is dispensed to the user directly at thedispensing machine in the form of one or more notes. In thesealternative embodiments the user is enabled to receive the cash withouthaving to enter the facility. However, if the user is interested inmaking a purchase of other merchandise they may now do so with cashwhich reduces the time that will be spent making the purchase.

In further alternative embodiments the self-service merchandisedispensing machine includes a cash value accepting device. This cashvalue accepting device may be integrated with the cash dispensingmechanism or may be a separate mechanism. This enables a user to providevalue to the machine in the form of currency notes. Alternatively,machines may be equipped to receive cash value from stored value cardsor other forms of cash value items. In these alternative embodiments,the self-service dispensing machine will dispense merchandise up to theamount of cash value input by the user. If the user does not use all ofthe cash value input, the dispensing machine may be operative to providethe user with an item such as a printed document. The printed documentmay be redeemed at the facility for the amount of change the user isentitled to receive. Alternative embodiments may use a biometric featureor other item or feature to identify a user as entitled to receivechange. Of course, the user may choose to purchase other merchandise andapply their change against such purchases.

Alternative embodiments may be used in attended customer serviceenvironments. In an exemplary embodiment, such an environment mayinclude a drive-through type fast food restaurant. In such a facility acustomer may enter their order through an audio connection to a humanservice provider by making selections through an input device or throughother suitable means. If the customer chooses to pay using a non-cashsource of value such as an account associated with a credit or debitcard, the card or article is presented to an appropriate reading deviceto identify the account. Alternatively biometric features of the user orother articles may be used to identify the user and/or their account.

Through an output device user may be presented with options to pay fortheir order from their account and/or to obtain an amount of cash. Ifthe user wishes to obtain cash they do so by entering an appropriateinput. The user is then provided with the capability of being identifiedas entitled to receive the cash and/or the merchandise they haveordered. This may be done for example by providing the user with areceipt or other paper document with indicia that can be used toindicate that they are entitled to the selected amount of cash.Alternatively items or information such as a code may be provided to oralternatively selected by, the customer which identifies them and/or thetransaction. The code may then be used as a basis for providing cash. Inother alternative systems biometric features of a customer or featuresof their clothing or vehicle may be used to identify them and/or thetransaction which entitles them to receive the selected amount of cash.

In some embodiments the merchandise order station may include thecapability of dispensing cash to the customer. Further in someembodiments the order station may accept notes in payment formerchandise purchased and may provide change.

In alternative exemplary embodiments, the customer may leave the orderstation and travel to a cash receiving station. This may be the same asthe merchandise receiving station where the customer receives deliveryof their food. Alternatively it may be an intermediate stationpositioned between where the order is placed and where food is received.At the cash receiving station the customer and/or transaction isidentified and the cash is delivered to the customer. This may be donefor example by the customer presenting the article, feature or othercharacteristic, which indicates that the customer is the person entitledto the previously selected amount of cash. Such articles or features mayinclude as previously discussed, a card or other article used toinitiate the transaction, a document or receipt provided to thecustomer, a biometric feature of the customer, a code provided to orselected by the customer, a feature associated with the customer ortheir vehicle, or a combination thereof, which identifies the customeras entitled to receive the cash. In response to the identifyingcharacteristic, the cash is provided to the customer at the deliverystation.

The customer also receives their merchandise such as the food ordered.This may be done at the same station where the cash is delivered.Alternatively the customer may drive to another station to receive thefood. The customer may identify themself as entitled to receive themerchandise using one or more of the features that were used to identifythe customer as entitled to receive cash. Alternatively other oradditional approaches may be used to verify that the customer is theperson entitled to receive the ordered food.

In alternative embodiments a customer in a fast food drive-throughenvironment or other customer service environment, may be provided withthe option to receive cash at the cash delivery station and to makepayment for the food or other merchandise using a portion of the cashdelivered. In other alternative embodiments a customer who has initiallychosen to pay cash for the merchandise delivered at the merchantdelivery station may choose to obtain cash at the cash delivery station.This may be done by enabling the cash delivery station to operate in themanner similar to a drive-through type ATM, in addition to operating todispense cash to customers who have previously made a transactionselection which includes a dispense of cash.

It should be understood that these applications for self service andattended customer transaction environments are but examples. Numerousvariations and configurations of the invention may be made utilizing theprinciples discussed.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a schematic view showing a system of one exemplary embodiment.

FIG. 2 is a front plan view of the user interface of a self-servicedispensing machine included in the system shown in FIG. 1.

FIGS. 3 through 24 are views of exemplary prompt screens displayed on anoutput device of the user interface and the corresponding actions whichoccur in response to such screens.

FIG. 25 is an alternative form of a self-service dispensing machine.

FIGS. 26 through 31 are exemplary screens displayed on the output deviceof the alternative self-service dispensing machine shown in FIG. 25.

FIG. 32 is a schematic view of a first form of a cash value dispensingmechanism used in connection with the machine shown in FIG. 25.

FIG. 33 is a schematic view of an alternative cash value dispensingmechanism used in connection with the machine shown in FIG. 25 andsimilar to that shown in FIG. 32 combined with a cash value acceptingdevice.

FIG. 34 is an isometric view of a roll of currency notes releasablyattached to a web used in connection with a cash value dispensermechanism.

FIG. 35 is a schematic view of a mechanism used in connection with theroll of notes shown in FIG. 34.

FIG. 36 is an isometric view of an alternative form of a roll of notesin which the notes are connected at the edges by releasable connectingmembers.

FIG. 37 is a schematic view of an alternative dispenser used fordispensing notes from the roll of notes shown in FIG. 36.

FIG. 38 is an isometric view of an alternative form of a transactionsystem.

FIG. 39 are exemplary screens displayed at a customer request station inthe system of FIG. 38.

FIGS. 40-45 are enlarged views of the screens shown in FIG. 39.

FIG. 46 is an alternative screen shown at the customer request stationof FIG. 38 in response to certain customer inputs.

FIG. 47 shows a series of alternative exemplary screens displayed at acustomer request station in the system of FIG. 38.

FIG. 48 shows an alternative configuration of a system like that shownin FIG. 38.

FIG. 49 shows a further alternative configuration of a system like thatshown in FIG. 38.

FIG. 50 shows a further alternative configuration of a system like thatshown in FIG. 38.

FIG. 51 shows a further alternative configuration of a system like thatshown in FIG. 38.

FIG. 52 shows a further alternative configuration for a system like thatshown in FIG. 38 and which is adapted to receive alternative sources ofmonetary value.

FIG. 53 is a schematic representation of steps carried out in anexemplary form of the system shown in FIG. 52.

FIG. 54 is a schematic view of steps carried out in an alternativesystem like that shown in FIG. 52.

FIG. 55 shows an exemplary computer generated screen output at thecustomer request terminal of the system shown in FIG. 52.

FIGS. 56-59 are flow charts of the logic flow carried out by thecomputer in an exemplary system shown in FIG. 52.

FIG. 60 is an automated transaction machine of an alternativemerchandise order station which provides visual appearancerepresentations of merchandise items.

FIG. 61 is a schematic view of an alternative automated transactionmachine.

BEST MODES FOR CARRYING OUT INVENTION

Referring now to the drawings and particularly to FIG. 1, there is showntherein a system for delivering cash in a self-service merchandiseenvironment generally indicated 10. System 10 includes a self-servicedispensing machine 12. In the exemplary embodiment the self-servicedispensing machine 12 includes a motor fuel dispensing device whichoperates in an outdoor environment. It should be understood thatembodiments may include a plurality of self-service dispensing machinesoperated as part of a single system. Systems of exemplary embodimentsmay include other types of self-service dispensing machines.

The system further includes a facility generally indicated 14 which isremote from the self-service dispensing machines. In the embodimentshown, the remote facility 14 includes an indoor sales area generallyindicated 16. The sales area 16 includes other merchandise generallyindicated 18. In the embodiment shown the other merchandise 18 is in thenature of items that persons would typically buy at a convenience store,and is different from the merchandise dispensed by the self-servicedispensing machine. Of course, in other embodiments other types ofmerchandise may be sold. It shall be understood that references tomerchandise herein refers to both goods and services which may bepurchased.

The remote facility shown further includes a supply of cash whichincludes cash housed in a cash register 20. The cash register 20 isconnected to a reader 22 such as a bar code reader or other device forreading machine readable indicia. An output device 24 is included in theremote facility. The output device in the embodiment shown includes afuel pump control console which includes a printer or other device forgiving an indication of activity at the self-service dispensingmachines. In the case where the output device 24 is a fuel pump controlboard the service provider within the facility is enabled to control ormonitor operation of the fuel pumps or other self-service dispensingmachines.

The remote facility of this exemplary embodiment further includes aservice window 26 which extends through an exterior wall thereof. Theservice window 26 may be in some embodiments a walk-up window or adrive-up window. A service window 26 enables users of the system toexchange items with the service provider within the remote facility.

The sales area 16 of this exemplary embodiment includes a cash dispenser28 therein. The cash dispenser 28 includes therein a portion of thesupply of cash for the remote facility. The portion of the supply ofcash housed within the cash dispenser is housed in a cash dispensingmechanism schematically indicated 30. The cash dispensing mechanism maybe selectively operated to deliver currency notes to a user. The cashdispenser 28 further includes a customer interface 32. In the embodimentshown the interface 32 includes a reading device 34 for reading machinereadable indicia. The reading device may include, for example, a cardreader which is operative to read data on user cards in a contact orcontactless manner.

The remote facility further includes at least one controller or computerschematically indicated 36. Computer 36 is in operative connection witha data store 38. The computer 36 is shown in operative connectionschematically with the output device 24, the cash register 20 and thecash dispenser 28. It should be understood that in some embodimentscomputer 36 may not be connected to all of these types of devices or maybe connected to additional types of devices. Further, it should beunderstood that while in the embodiment shown a single computer and datastore are described, in other embodiments a plurality of connectedcomputers and data stores may be used. Therefore in the followingdescription whenever a computer or controller is referred to, it shallbe deemed to refer to a plurality of operatively connected controllersor computers as well as a single computer. Likewise herein when a datastore is referred to it shall be deemed to refer to a plurality of datastores as well as a single data store.

As shown in FIG. 1, computer 36 is connected to a communications deviceschematically indicated 40. In some embodiments the communicationsdevice may include any suitable type of communications interface forcommunicating electronic messages. This may include for example aninterface to a modem, leased line, ISDN line, intranet interface, LANinterface, web interface or other device. Communications device 40 isshown schematically connected through a network 42 to a non-cash sourceof monetary value schematically indicated 44. In this example the sourceof monetary value is representative of a credit card processor, debitcard processor, bank or other entity that is capable of transferringdata representative of funds. It should be understood that in operationthe communications device 40 may selectively communicate with aplurality of entities which include sources of monetary value.

A self-service dispensing machine 12 in the exemplary embodiment shownincludes a fuel nozzle 46. The fuel nozzle 46 may be used by a user todeliver merchandise in the form of motor fuel into a motor vehicle. Theself-service dispensing machine 12 further includes a user interface 48.The user interface includes an output device 50 which can be used foroutputting messages to a user of the machine. In the embodiment shownoutput device 50 includes a display screen. The user interface furtherincludes an input device 52. In the embodiment shown the input device 52includes a plurality of keys which may be selectively pressed by a userto provide inputs.

The user interface further includes an article reading deviceschematically indicated 54. The article reading device 54 in theembodiment shown includes a card reader which may be used for readingcredit cards, debit cards as well as stored value type cards. Of course,in other embodiments other types of contact or noncontact articlereading devices may be used.

The user interface further includes an item delivering device 56. Theitem delivering device 56 in the embodiment shown includes a printerwhich can be used to provide a printed document type item to a user. Ofcourse, in other embodiments other types of items may be selectivelyoutput to a user operating the self-service dispensing machine 12.

It should be understood that the user interface also includes othercontrols which a user may operate to control the self-service dispensingmachine. These may include for example the controls on the nozzle whichdispense the motor fuel. In addition, other or additional types ofoutput and input devices may be used.

FIG. 2 shows an exemplary embodiment of components included in a userinterface of the self-service dispensing terminal. In the embodimentdescribed the input device 52 includes an alpha numeric keypad. Theinput device also includes four function keys 60, 62, 64 and 66. Thefunction keys may be operated by a user in a manner later described toinput instructions to the system. Of course, this arrangement of keys isexemplary and in other embodiments other arrangements and types of keys,input devices and functional inputs may be used.

The operation of the system represented in FIG. 1 will now be explainedin greater detail with reference to certain typical exemplarytransactions. A common exemplary transaction is a dispense of motor fuelwhere the user pays with cash or credit. The computer 36 has dataincluded in its associated data store 38 which is used to producecertain outputs on the output device of the user interface of theself-service dispensing machine. These outputs which are referred toherein as “screens” may prompt a user in the operation of the system.Computer 36 is programmed to cause the interface to display the screensin response to the inputs and activities of the user and theself-service dispensing machine.

FIG. 3 shows a screen 68 which is presented to a user through the outputdevice of the self-service dispensing machine. Screen 68 may becontinuously presented until a transaction begins, or may be presentedin response to sensing the presence of a user adjacent to the machine.This may be done for example with a proximity type sensing device of theinfrared, optical or sonic type, for example, or in response to sensingthe user touching the machine or lifting the fuel nozzle. Screen 68prompts a user to push either function key 60 to indicate that they willpay by cash or credit inside the remote facility, or to press functionkey 62 which indicates that the user intends to pay with a type of cardand that this will be a card-based transaction. In this example the userelects to pay inside in which case screen 70 shown in FIG. 4 ispresented. Screen 70 prompts a user to pick up nozzle 46 and pump thefuel into their vehicle.

While the pumping activity is ongoing or at other times in thetransaction sequence, the computer operates to cause screen 72 shown inFIG. 5 to be output through the output device. Screen 72 asks the userif they would like to receive some cash. If so, the user is prompted topress the “yes” key which is function key 64. In this example the userdoes not press the function key indicating they wish to have cash. Whenthe user has stopped dispensing motor fuel, a screen 74 shown in FIG. 6is presented. Screen 74 prompts the user to go inside the remotefacility and to make payment for the charge associated with the value ofdispensed merchandise.

An alternative transaction in which a user chooses to pay by card is nowdescribed. FIG. 7 shows a screen 76 which is identical to screen 68. Itshould be understood that screen 76 and 68 are identical and are in factthe same screen. However, they are shown separately herein to facilityunderstanding of the transaction flows carried out through operation ofthe computer.

If the user selects the “pay outside” option from screen 76 by pressingfunction key 62, a screen 78 shown in FIG. 8 is caused to be displayed.Screen 78 prompts the user to indicate whether they intend to use acredit card, a debit card or a stored value card for purposes of payingfor the transaction. FIG. 1 shows schematically the card types that maybe used. Card 80 schematically represents a magnetic stripe card. Themagnetic stripe card is a machine readable article with data encoded onthe magnetic stripe. The data encoded on the stripe generallycorresponds to the user and includes information such as the user'sname, account number and other information related to charging for atransaction. The encoded information associates the card with a sourceof monetary value such as the Master Card®, VISA®, American Express® orDiscover® programs or other programs or accounts which may be operatedby a bank or institution. Debit cards are similar except that when usinga debit card the user effectively withdraws funds directly from theiraccount with a financial institution or other entity at the time of thetransaction. Debit cards also require for their operation a verificationinput to identify the user such as the input of a personalidentification number (PIN) to verify that the user is authorized to usethe card. The physical structure of credit and debit cards can often begenerally the same.

A stored value card 82 is also schematically represented in FIG. 1.Stored value card 82 may also have a magnetic stripe similar to debitand credit cards. Stored value cards have a programmable memory thereon.This programmable memory which is schematically indicated 84, generallyholds data representative of value which can be used by the card holderin a manner similar to cash. The card memory may also hold programs andother information that may be used for verifying the authenticity of theuser as well as to prevent tampering with the card. Of course in otherembodiments, other card types such as cards that provide datawirelessly, via radio frequency or through other forms of datatransmission methodology, may be used.

Referring now to the exemplary transaction in FIG. 8, it will be assumedfor purposes of this example that the user inputs to the keypad anindication that they wish to pay with a credit card for the deliveredmerchandise. In response to the input by the user the computer causes ascreen 86 shown in FIG. 9 to be displayed. Screen 86 prompts the user toinput their card to the card reader and to withdraw it quickly so thatthe magnetic stripe can be read. A read head in the article readingdevice 54 reads the data on the magnetic stripe of the card and sendssignals indicative thereof to the computer 36. The computer 36 thenoperates in accordance with its programming to cause the communicationsdevice 40 to contact the appropriate source of monetary valuecorresponding to the card to determine if the transaction is authorized.For purposes of this transaction it will be assumed that the source ofmonetary value responds with a message indicating that the transactionis authorized, and the user is presented with the screen 88 shown inFIG. 10. Screen 88 prompts the user to remove the nozzle 46 and beginpumping fuel.

If in connection with the screen 78 the user had selected to charge themerchandise to a debit card, the user would have been presented by thecomputer with a slightly different set of screen prompts. For example,in this circumstance the user would have been presented screen 92 shownin FIG. 15. Screen 92 prompts the user to input their PIN number whichis necessary for authorizing the use of the debit card. In response tothe account number and PIN number input at the self-service dispensingmachine, the computer 36 operates in accordance with its programming tocheck for authorization. If the card is authorized the transactionproceeds to the screen 88. In the case of a debit card where the user isbeing presented with options to dispense cash, the programming of thecomputer 36 may also check for the availability of funds at a levelwhich is the maximum the user can reasonably be expected to be chargingat the self-service dispensing machine and may actually make such acharge temporarily which can subsequently be reversed. Of course, otherapproaches may be used depending on the programming of the computer 36.

In the case where a user selects a stored value card from screen 78 theuser is presented with a screen 94. Screen 94 prompts a user to inserttheir stored value card into the reader so that contact with theterminals of the memory may be made by the card reader. In theembodiment described the article reading device 54 is a reader capableof reading both magnetic stripe and stored value cards. However, inother embodiments separate readers for magnetic stripe and stored valuecards may be used. Alternatively in other embodiments other types ofcards and card readers may be used.

It should be understood that embodiments may not accept all the types ofcards described in connection with this exemplary embodiment. Forexample, certain embodiments of the system may accept only credit cards.Alternatively, embodiments may accept additional types of cards or itemswhich can be associated with a source of monetary value from whichpayment may eventually be obtained. This may include optically encodedor non-contact type cards. Some embodiments of the invention mayidentify a source of monetary value based on other forms of inputs. Forexample the system may be configured to identify a user by a biometricinput such as a thumbprint, iris scan or other characteristic orcombinations thereof. Other embodiments may identify a user byappearance of their face and/or voice. This may be accomplished in themanner disclosed in U.S. Pat. No. 6,023,688, the disclosure of which isfully incorporated herein by reference. Other embodiments may identifyaspects associated with a vehicle. This may include for example theability to read an optical characteristic such as a license plate tagnumber and to correlate this through operation of the computer with anaccount of a particular user. Likewise RF signals such as from a RFbackscatter device carried by a user or on the vehicle may be used toidentify the user and/or an account. Alternatively the user may inputinformation identifying a source of monetary value through an infraredemitter device or by using a cell phone or personal computer to make aconnection to a number or to a network IP address and to provide inputscorresponding to an account or other source of monetary value.Additional approaches for identifying a source of monetary value to payfor the transaction will be apparent from this description.

In some embodiments there is provided for the contingency that a user'scard or other article is not authorized. In this case the screen 96shown in FIG. 17 is presented advising the user that the machine isunable to process the requested transaction. After a timeout or inresponse to another input the computer may return the output device toanother point in the menu system.

Assuming for purposes of this transaction example that a user has inputa proper card and has properly accessed the system, they will beauthorized to dispense the merchandise which in this case is the motorfuel from the self-service dispensing machine. At various times whilethe dispense is ongoing or at other times during the transaction, theoutput device 50 of the user interface may present the screen 98 shownin FIG. 11 which is similar to screen 72. This screen which is caused tobe presented by operation of the computer 36 prompts a user concerningwhether they would like to receive cash. In the example shown inconnection with FIG. 11 the user does not press the input key to receivecash. When the user is done and the nozzle is replaced the computer 36causes the output device to display the screen 100 shown in FIG. 12.Screen 100 prompts the user to press either function key 64 or 66 toeither accept or decline a receipt. In this example the user pressesfunction key 64 to indicate that they wish to receive a receipt.

The computer causes the printer in the self-service dispensing machineto print a receipt. This is done by item delivery device 56. While thereceipt is printing a screen 102 shown in FIG. 13 is output by theoutput device. When the receipt has been printed the item dispensingdevice presents the printed item to the customer by making it accessibleoutside the self-service dispensing machine. The computer also causesthe screen 104 shown in FIG. 14 to be displayed. The user may then takethe receipt which completes the transaction.

A useful aspect of this described embodiment is the ability of a user ofthe self-service dispensing machine to receive cash and to charge it totheir indicated source of monetary value. If in response to screen 72which is the same as screen 98, the user indicates through an input tofunction key 64 that they would like to receive cash, a screen 106 shownin FIG. 18 is displayed. Screen 106 prompts a user to input an amountthrough the keys on keypad 58. The user is also prompted to press the“pound” key when the desired amount is input. Screen 106 also indicatesthe maximum amount that the customer may receive. This may be set by thesystem operator or may be made to vary from customer to customerdepending on the type of card payment and source of monetary valueinvolved. In the case of screen 106 the maximum is set at $100.

For purposes of this example it will be assumed that the user inputs$100 in response to screen 106. The computer then causes a screen 108shown in FIG. 19 to be displayed. Screen 108 indicates the amount theuser has requested and asks them to confirm their request by againpressing the “yes” key which is function key 64. The user is alsoprovided the option of pressing the “no” which is function key 66.

Assuming that the user chooses to proceed with the cash withdrawal, thecomputer then operates to cause the item delivering device 56 to printan item such as a voucher which can be redeemed for cash by the customerat the remote facility. While this voucher is printing, a screen 110shown in FIG. 20 is output through the output device. In someembodiments the voucher device may be a printed document that includesdata representative of the cash value, as well as values or indiciawhich enable identifying the user and/or the transaction. In alternativeembodiments the item delivered from the self-service dispensing machinemay include machine readable indicia. This may include for example a barcode indicative of the amount to be provided to the customer as well asother information. Alternatives may deliver other types of articles tothe user other than a printed document. For example, a user may receivea card type article with information encoded thereon which indicates thetransaction and/or the amount.

The computer 36 is also operative to provide an indication to theservice provider in the remote facility that the user has requested adispense of the amount. This is done in the described embodiment throughthe output device 24. This may be done for example by the printerassociated with the output device printing information about thecustomer's card and the pump number or other identification for theself-service dispensing machine that the customer is operating. Thisinformation informs the service provider that they are going to beproviding a user with a cash amount. Alternatively, in some embodimentsthe service provider may be advised of the user's request for the amountonly by the user presenting the voucher at the facility.

The user is provided with a screen 112 shown in FIG. 21 after the itemhas been presented. For purposes of this example the item will be aprinted document which includes machine readable indicia thereon. Ofcourse, as previously described other types of articles may be provided.

The user completes dispensing the motor fuel from the self-servicedispensing device and returns the nozzle to its storage location. Inresponse to this action computer 36 may cause to be displayed on theoutput device screen 114 shown in FIG. 22. Screen 114 reminds the userto take their voucher and to present it to the service provider.

The computer 36 in the described embodiment is also operative togenerate and store in the data store 38 a charge record. The chargerecord is preferably operative to hold information concerning thetransaction including the charge which is the value of the merchandisethat the user dispensed as well as the amount associated with the cashthe user receives from the service provider. The charge record may holda total of both the charge and the amount as well as the otherinformation necessary to assess the total amount against the source ofmonetary value. This may include for example the user's name, accountnumber, the transaction type, the service provider's identifying numberand other information which comprise a record for a transaction of thetype that has been conducted. The transaction record or one or moreseparate records may include the information necessary to correlate theinformation on the voucher or other item presented to the customer withthe transaction and the data representative of the fact that thecustomer is entitled to receive the monetary amount. After the customerreceives the amount the record may also be updated to reflect that theamount has been delivered. In the case of a credit card transaction thecharge record will typically be accumulated into a batch which isperiodically sent to a credit card processor for settlement.Alternatively, if a debit card transaction is being conducted thecomputer 36 may operate in accordance with its programming to transferthe funds immediately from the account of the user to account of themerchant through messages communicated by the computer 36.

If a smart card has been used as the source of monetary value, thecomputer 36 operates the self-service dispensing machine andcommunicates with the stored value memory through the article readingdevice so as to modify the memory to indicate the reduction in theamount of value stored on the card. The computer further operates toaffect the transfer of this value to the system operator's account. Ofcourse, additional or alternative approaches may be used.

Once the user has received the item which in this case is a voucher forcash, the user may travel to the remote facility either on foot or intheir vehicle. If the user travels in their vehicle or on foot they mayapproach the service window 26. At the service window the user presentsthe voucher to the service provider who may visually review it and/ormay scan it with the reading device 22. If the voucher is scanned withthe reading device the computer 36 may be operative to verify thegenuineness of a voucher in accordance with its programming.Alternatively, the user can visually inspect the voucher and compare itto the information provided through the output device 24 to verify thatit is genuine. The service provider may then obtain the cash from thesupply such as the cash register and deliver it to the user through theservice window.

In alternative embodiments the service window may be a drive-up windowstrategically positioned so the user passes it on his or her way from orthrough the facility. Using this approach the user may receive theircash from the service provider in their car which facilities speeding upthe transactions. In addition, by having the user pull away from thedispensing machine, the dispensing machine becomes available for someoneelse to use. If the service window is a walk-up type window the user mayreceive their cash while not having to enter into the interior of theremote facility. This approach may be particularly helpful at certaintimes of the day when enhanced security is required. At such times thedoor to the interior of the facility may be locked, but users may stilldispense motor fuel and receive cash through the service window. Underthese circumstances the service window may include theft deterrentfeatures such as bullet-resistant glass, rising shields or other typesof devices.

In yet a further alternative method the user may enter the remotefacility and present their voucher. The user may also purchase othermerchandise which is available for purchase within the facility. Whenthe user presents their voucher the amount of cash the user is toreceive may be reduced by the service provider by the amount of othermerchandise or services that the user is purchasing.

In yet another alternative the cash dispenser 28 may have thereon or inoperative connection therewith, the reading device 34 which is operativeto read the machine readable indicia on the voucher or other item orinformation that is presented by the user to receive their cash. In thisexample the user may insert the voucher into the reading device and havethe cash dispensed by the cash dispensing mechanism 30. This providesthe user with the cash in the remote facility. Having such cashavailable may cause the user to make an impulse purchase of othermerchandise which is available at the facility. The additional purchasemay be paid for with the cash that has been dispensed from the cashdispenser.

Alternative embodiments may provide other types of identifying inputsthat a user may present at the cash dispensing machine to receive theircash. For example instead of a voucher or other item, a user may beprovided with a code through the output device of the self servicedispensing machine. This code may be memorized by the user and inputthrough a keypad on the cash dispensing machine. Alternatively the codemay be printed on the voucher or receipt which a user may refer to inputthe code into the keypad. Alternatives may enable the user to selecttheir own code which is input on the keypad of the self servicedispensing machine. This user selected code may then be presented by aninput to the cash dispensing machine and the cash dispensed in responsethereto. Alternative embodiments may utilize biometric features orcombinations thereof including for example facial features, voice,fingerprints and iris scans as the identifying input. Alternatives mayfurther employ the user's card or indicia printed or encoded thereon asthe identifying input to the cash dispenser which causes the appropriateamount of cash to be dispensed. Of course on dispensing of the cash thecomputer operates to update the information stored in the data store toindicate that the user has taken their cash and/or to include datarepresentative of a charge to a user's account or other source ofmonetary value for the amount of cash received. The updating of therecord also causes the computer to operate so that if the identifyinginput is provided again, absent initiation of another transaction, nofurther cash is dispensed.

An advantage of providing the cash from the cash dispensing mechanism 30is that the service provider will generally be dealing with cashpurchases. This enables serving customers more quickly. Also theoperator of the facility may use cash from the cash register or otherareas of the cash supply to periodically replenish the cash dispenser.This minimizes the need for the operator to have a separate cashhandling company supply cash for the cash dispenser.

Various embodiments may require a user to present other or additionalidentification or verification information in order to receive cash fromthe service provider. Such identification indicia may include a machinereadable article or user readable article which can be used to verifythe identity of the user or the card transaction. This may include forexample a driver's license or other identification card. Alternatively,the identification device may include a requirement for a biometricinput such as a thumbprint which may be scanned and cause correspondingdata to be stored electronically in correlated relation with the chargerecord. The identification device may be the card used to carry out thetransaction, which can be read visually or with a further reading devicefor confirmation purposes. Such information will generally minimize therisk of unauthorized transactions. In addition, capturing such biometricinputs may facilitate identifying persons responsible if it is laterdetermined that the transaction was not authorized. Other types ofidentification indicia and processes may be used for verifying that theuser is entitled to receive the cash.

The system shown in FIG. 1 may also be used to provide cash valuedirectly at the self-service dispensing machine. This may occur forexample, when the user uses a stored value card. In the case of a storedvalue card the user may request a transfer of monetary value to thememory on the card. When this is done, appropriate prompts through theoutput device may be provided. The card reader or other article readingdevice may operate to modify the stored value memory on the card to loadthe further amount that the customer has requested to the smart card.During such transactions the computer 36 operates as in the case ofother transactions. In addition, the computer 36 operates to control thearticle reading device within the self-service dispensing machine so asto load the additional value that the customer has requested. Once theadditional value has been loaded on the card the customer may take thecard and use the value thereon for making purchases at the remotefacility or in other locations.

The useful aspect of the system described in connection with FIG. 1 isthat it may be implemented using self-service dispensing machines thathave been set up for carrying out card-based transactions. The computer36 may be programmed to have the printing devices within such machinesprint vouchers or enable the user to provide data or inputs, which maybe exchanged by a user for cash. In addition, the user receives the cashin a remote facility where other merchandise is available for purchase.Under such circumstances the user is likely to make an impulse purchasewhich increases the profitability of the system for the operator.

In addition, the system of the described embodiment may also beconfigured to prompt the user to make other purchases which can bespeeded up in the transaction environment. For example, prompts throughthe output device 50 may query a user concerning purchases such aslottery tickets, cigarettes or other articles. This information can becommunicated to the service provider in the facility through the outputdevice 24 or other suitable communication devices. These items can beset aside for the user in advance and promptly provided to the userthrough the service window or inside the facility promptly upon theuser's arrival. This further speeds transaction throughput and allowsthe user to take greater advantage of their available source of monetaryvalue. It should be understood that many variations are possible andthat while this described exemplary embodiment is used in connectionwith a motor fuel dispensing environment, many other embodimentsemploying the teachings of the invention may be devised.

FIG. 25 shows an alternative form of a self-service dispensing machinegenerally indicated 116. Machine 116 is generally similar to machine 12except as otherwise specifically described. Machine 116 is also a motorfuel type dispensing machine. However, it should be understood thatother types of self-service dispensing machines may be used.Self-service dispensing machine 116 differs from machine 12 in that itincludes a cash value dispensing mechanism generally indicated 118housed within the interior thereof or adjacent thereto. Cash valuedispensing mechanism 118 is operative to dispense notes therefrom inresponse to inputs by the user. Machine 116 also includes a userinterface generally indicated 120. The user interface includes at leastone output device 122. Output device 122 may include a display screen orother type of device for outputting prompt messages to a user.

User interface 120 also includes at least one input device 124 foraccepting user inputs. The input device 124 may be similar to the keypad58 and function keys 60 described in connection with the previousembodiment. Of course other types of input and output devices may beused.

The user interface further includes an input device which operates as anarticle reading device 126. The article reading device is operative toread articles associated with a source of monetary value. This mayinclude for example credit cards, debit cards and smart cards similar tothose previously discussed. The user interface further includes an itemdelivering device 128 which is operative to deliver items to the user.Item delivering device 128 may include a printer for delivery of printeddocuments or other mechanisms for delivering other types of items to auser.

Machine 116 as well as the dispensing mechanism and components of theuser interface are in operative connection with a computer or controllerschematically indicated 130. Controller 130 includes a databaseschematically indicated 132 in operative connection therewith. Aspreviously discussed in connection with computer 36, controller 130 maybe a single computer or a plurality of connected computers, and datastore 132 may be a single data store or a plurality of data stores.Controller 130 generally operates in a manner similar to computer 36previously described. This includes responding to stored data togenerate display screens on the output device of the self-serviceterminal. The controller 130 further operates to generate messages andcharge records schematically indicated 134. The charge records arestored in the data store and provide records of transactions so thatamong other things, amounts can be settled and/or transactions verifiedbetween the operator of the system and the system users.

The cash value dispensing mechanism includes a cash supply componentschematically indicated 136 in FIG. 25. The cash supply componentpreferably is removably mounted within the machine 116. The cash supplycomponent 136 preferably includes a supply of currency notes 138 whichin the described embodiments are a roll of notes from which notes may bedispensed. The cash supply component is preferably held in position onthe machine 116 with a locking mechanism or other securing device whichserves to hold it in the operative position. When it is desired toremove the supply of notes from the machine such as to secure themachine when the facility is closed or at other times, the cash supplycomponent can be released and removed from the machine. This enables thesupply of notes to be stored in a more secure place. The exemplaryembodiment also enables the machine 116 to continue operating todispense merchandise even when no supply of cash is present. This isaccomplished through appropriate programming of the controller 130 toenable the merchandise dispensing activity even though the cash supplycomponent is removed or depleted. Alternatively, the system can beprogrammed to provide vouchers that can be redeemed for cash at thefacility when cash dispensing capability is not available or enabled atthe machine.

Examples of the operation of the cash value dispensing mechanism areshown with reference to FIGS. 32 through 37. FIG. 32 shows a cash valuedispensing mechanism generally indicated 140. Notes are preferably woundonto a roll 142 and are held therein by a flexible web 144. In theembodiment shown the notes are held to the web only by the physicalwrapping action of the notes within the layers of the web.

Rotation of roll 142 in the counterclockwise direction shown causesnotes to be exposed as the web 144 is unwound. A note/web separatingmechanism 146 serves to separate the notes from the web. The notes maybe then moved outward therefrom in the direction of the arrow as shown,to a user. The portion of the web from which the notes have beenseparated is rewound onto a roll 148.

FIG. 33 shows a cash value dispensing mechanism 150. Dispensingmechanism 150 operates in a manner similar to dispensing mechanism 140when dispensing notes therefrom. Mechanism 150 however is operativelyconnected to a cash value accepting device schematically indicated 152.The cash value accepting device is operative to identify genuine andacceptable denomination notes and to pass such notes inwardly in thedirection of the arrow such that a genuine note may engage the web 154.Notes which are not genuine, the proper denomination, are suspect or areotherwise not acceptable to the cash accepting device, are rejected bythe device 152 and are prevented from passing into engagement with theweb.

Rotation of the rolls 156 and 158 in the clockwise direction shown isoperative to engage an inserted note with the web and to roll such notesonto roll 156. This enables accepting cash value articles such as notesinto the self-service dispensing machine. The dispenser 150 may alsooperate to dispense notes selectively by rotating the rolls in thecounterclockwise direction so as to dispense notes therefrom in a mannersimilar to dispensing mechanism 140. This may be done in a manner likethat shown in U.S. Pat. No. 6,371,368 the disclosure of which isincorporated herein by reference.

FIG. 34 shows an alternative roll of notes schematically indicated 160.In roll 160 notes 162 are releasably attached to a web 164. Notes 162are preferably attached to the web 164 with a releasable adheringcomponent such as a releasable adhesive, static charge or other deviceor material which enables holding the notes in connection with the webfor handling within the machine, but which enables the notes to bereadily released therefrom once they have passed through an opening ofthe machine 116 schematically indicated 166.

FIG. 35 shows a mechanism within the machine for handling a roll ofnotes such as roll 160. The web 164 with the notes attached is engagedand moved by a first engaging device 168 and second engaging device 170.The first and second engaging devices are operatively connected tomotors or other moving devices which are operated under the control ofthe controller. The first and second engaging devices independently movethe web 164 and generally operate to move the web outward through theopening 166. A first releasable holding device 172 is positionedadjacent to the opening 166. A second holding device 174 is positionedadjacent to the roll. A releasable holding device is operated under thecontrol of the controller in response to sensors which are positionedadjacent to the web.

The dispensing mechanism shown in FIG. 35 is particularly adapted toprevent unscrupulous persons from extracting more than the intendedamount of notes by pulling on the web. Such unintended dispensing isreduced by operating the first and second engaging devices 168 and 170to produce a loop schematically indicated 176 in the web. The loop issized to include the notes which are to be dispensed within a particulartransaction. While the loop is being accumulated the controller operatesthe first holding device 172 to hold the web in fixed relation. Once theloop has been created the holding device 172 enables the web to movewhile the computer operates the second holding device 174 to hold theweb stationary. The engaging device 168 then operates to move the notesin the loop outward through the opening to the user. If the userreceiving the web attempts to pull the web 164 further outward suchattempts will be prevented by the engagement of the web with the secondengaging device 170 and the second holding device 174. As a result, theuser will not receive more notes than they were intended to receive. Inaddition, sensors provided within the machine may sound alarms and mayalso initiate other actions to prevent unauthorized compromise of themechanism for dispensing of notes from the machine.

FIG. 36 shows an alternative roll of notes 178. Roll 178 includes notes180 which are generally arranged closely or contiguously with othernotes at opposed edges. A releasable connector 182 spans the adjacentedges of the notes and connects areas of the notes near the edgestogether. The releasable connectors 182 are preferably flexible memberswhich can conform to the contour of the notes when held within the roll.In this exemplary embodiment the releasable connectors include areleasable adhesive which holds the notes in generally engaged relationbut which enables the notes to be readily separated upon application ofa transverse force.

FIG. 37 shows an exemplary mechanism for dispensing notes in a roll suchas roll 178. The notes in the roll may be moved by moving devices 184outward through an opening 186. Opening 186 is configured to have awider face on one side as shown. The wider face generally enablesreadily separating notes from the connecting members by moving a notetransversely downward whereas upward movement will not tend to separatethe note. As a result, notes may be moved outward through the opening186 and the note adjacent to the opening 186 separated by the user bypressing downward. Of course, additional mechanisms and sensors may beprovided as discussed in connection with the embodiment shown in FIG. 35for preventing the unauthorized removal of notes from the supply.However in this exemplary embodiment the nature of the connectingmembers is such that unauthorized attempts to remove notes will resultin breakage or separation of the notes from the connectors and minimizethe risk of unauthorized removal.

It should be understood that the note supplies discussed are used inconnection with exemplary embodiments. Other embodiments may use othertypes of note supplies and dispensing mechanisms for selectivelyproviding notes to users.

The alternative self-service dispensing machine 116 may be operated bythe controller 130 in a manner similar to machine 12 previouslydiscussed. This is true for cash dispensing transactions and merchandisedispensing transactions. The difference with machine 116 compared tomachine 12 is that instead of printing a voucher or delivering a code oranother type item or input that can be redeemed for cash, machine 116actually delivers notes directly to the user.

For example, in the transaction flow used in connection with machine 116(assuming the cash dispensing mechanism is in place and is operational)screens 110, 112 and 114 shown in FIGS. 20, 21 and 22, respectively,would not be used. Rather, the controller 130 would operate the cashvalue dispensing mechanism 118 to deliver notes directly to thecustomer. Thus, instead of screen 110 being presented, machine 116 wouldpreferably display in its place the screen 188 shown in FIG. 23 toindicate to the user that their cash is being dispensed. Thereafter ascreen 190 shown in FIG. 24 will be presented on the output devicereminding the user to take their cash.

The use of the cash value accepting device in connection with machine116 also provides the user with the option to make payment formerchandise to be delivered with cash value items being input into themachine. These cash value items may be currency notes for acceptance bythe cash value accepting device. Alternatively, cash value may besupplied by a user through a stored value card in the manner that hasbeen previously discussed. Alternatively, machine readable vouchers orchecks may be accepted.

In the programming of controller 130 additional screens are provided topresent the user with the option of paying at the self-servicedispensing machine with cash or other valuable items. This isaccomplished through a screen 192 shown in FIG. 26. Screen 192 wouldgenerally be presented in advance of a screen similar to screen 78 shownin FIG. 8. Screen 192 prompts a user to indicate whether they will payfor merchandise with a card or cash. For purposes of an example it willbe presumed that the user selects cash. Of course, if the user selects acard based transaction the screens will be as previously described.

In response to a user selection of a cash input from screen 192 thecomputer causes a screen 194 shown in FIG. 27 to be displayed. Screen194 prompts the user to input notes into the cash value acceptingdevice. As previously discussed in connection with FIG. 33, a cash valueaccepting device 152 determines if an inserted note is genuine andacceptable, and if so includes the note in the roll of notes. If thecash value accepting device is unable to verify the genuineness oracceptability of the inserted note, the note is rejected and no creditis given.

Exemplary embodiments may include cash acceptors of various typessuitable for validating notes. Embodiments may also include cashrecyclers operative to receive valid notes that have been verified asgenuine through operation of one or more validating devices in operativeconnection with the cash acceptor. Such cash recyclers may be operativefor storing valid notes received from customers and may dispense thestored valid notes to other customers who request cash dispensingtransactions. Cash acceptors and cash recyclers of the types shown inU.S. Pat. Nos. 6,371,368; 6,726,097; and/or 6,273,413, the disclosuresof each of which are incorporated herein by reference include exemplarydevices of this type.

Assuming that a user has inserted an acceptable valid note the computeroperates to display screen 196 shown in FIG. 28. Screen 196 shows theuser's available credit and gives the user the option to either stop,begin pumping fuel or continue inputting notes to the machine. Assumingthat the user begins pumping fuel the computer operates to display thescreen 198 on the output device. The user then pumps fuel into the motorvehicle until completed. The programming of the controller 130 is set inthe exemplary embodiment to stop the pumping action by the self-servicedispensing terminal when the amount of the available credit is reached.

In some circumstances pumping will be stopped before the availablecredit is used up. In these circumstances the computer is programmed topresent a screen 200 shown in FIG. 30. Screen 200 advises the user thattheir available credit is greater than the charge for the merchandisedelivered. In response the computer operates the item delivering device128 to produce a voucher or other item which is redeemable for thedifference between the user's available credit and the charge for themerchandise dispensed. Alternatively the user may be provided with acode or other input designated as usable to obtain change. This couldinclude a biometric feature such as the appearance of the user's face.In the exemplary system screen 200 indicates to the customer that avoucher is being printed for them by the item delivering device. Ascreen 202 showing FIG. 31 is presented advising the user to presenttheir voucher at the remote facility to receive their change. A usefulaspect of the described alternative embodiment is that users are enabledto receive cash without having to travel to the service facility. Thisspeeds the operations when the user is not purchasing additionalmerchandise. If however a user wishes to make additional purchases theymay do so with cash within the facility which further speeds thetransactions.

A further useful aspect of the described embodiment is that it enables auser to make payment with cash should they wish to do so. It alsoprovides for the user to receive change in uneven amounts that cannot bereadily dispensed by a machine that only dispenses notes in certaindenominations. As the user may travel to the remote facility to receivetheir change this increases the likelihood that they will purchase othermerchandise and apply their available credit to such purchases. Afurther useful aspect of the described embodiment is that it enables theimplementation of the note dispensing and note receiving functions in aneconomical manner. It further provides security by enabling removal ofthe cash supply component from the self-service dispensing machines whendesired. Such removal also enables reloading of such components withcash under more secure conditions than would normally be available at afuel dispensing station. Further useful advantages and novel aspects ofthe embodiment will be apparent to those skilled in the art.

Alternative embodiments may include one or more change dispensingdevices either within or outside of the facility. Such change dispensingmachines may include an automated teller machine which has thecapability of dispensing a range of bill denominations and/or coin so asto provide the user with the exact amount of change to which they areentitled. Such multi denomination coin and note dispensing ATMs aremanufactured by Diebold, Incorporated, the assignee of the presentapplication.

In such a system the change dispensing ATM may operate in response toprinted articles which include indicia corresponding to the transactionfor the amount of change the customer is to receive. Alternativelysystems may operate to provide the user with a code number after theyhave completed the self service dispensing transaction. Such a codenumber may be input on the keypad of the ATM or input through a speechrecognition type input so as to provide the user with the appropriateamount of change. Embodiments may provide the code to the user on aprinted receipt. Alternatively embodiments of the system may have theself service dispensing machine programmed such that the user may selecta code of their choice for purposes of receiving their change.Alternatively a code may be programmed on a radio frequencyidentification (RFID) tag or article including such a tag. Informationconcerning the code input by the user is stored in response to operationof the controller. The user is then enabled to receive their change inresponse to inputting their selected code to the change dispensing ATM.

Alternative embodiments may include an image capture device at oradjacent to the self service dispensing machine. The image capturedevice may be used to capture facial or other visual features of theuser who is entitled to receive change. A similar image capture deviceis located at the change dispensing ATM. The controller then operatesusing software such as FACE-IT™ software available from Lernout &Hauspie or face recognition software available from Miros™ software toidentify the user by the appearance of their face. The user may thenreceive their change after they have approached the machine. Likewisevoice recognition or other biometric inputs can be used as anidentifying input which correlates the transaction at the self servicedispensing machine with the transaction and change providing operation.

Alternative embodiments may also include having the change dispensingmachine located adjacent to a drive-through lane or similar path throughwhich the customer is required to pass as they leave the facility. Inthis way the user is moved away from the self service dispensing machineas quickly as possible to make room for another customer to operate themachine. In such embodiments the system may operate to identify featuresof the vehicle rather than or in addition to features of the user so asto identify the person who is to receive the change. For example animage recognition system may be used to identify the license tags on thevehicle using a camera or other image capture device adjacent to theself service dispensing station. The computer may then operate usingimage analysis type software to provide the appropriate amount of changewhen the vehicle bearing the identified license plate tag moves adjacentto a change dispensing ATM. Likewise an RF type emitter or RFbackscatter device may be used to identify the particular vehicle of theuser who is entitled to change. The distinctive RF signal may then beused as the basis for delivering the change as the vehicle movesadjacent to the change dispensing ATM.

In an alternative embodiment, the self-service dispensing machine 116 isfurther operative to accept an input representative of the codecorresponding to the amount of change from a previous transaction. Forexample if the user does not have time or does not wish to use thechange dispensing ATM, the user can save the code or the voucher withindica representative of the code for use later. The next time the useroperates the same or another self-service dispensing machine, the usercan input the code into the input device 124 for example and receive acredit against the purchase of merchandise or services equal to theamount of change that corresponds to the code.

A transaction record that includes that code may also be saved in a datastore such as database 132. When the data store is connected to anetwork which is accessed by a plurality of self-service dispensingmachines, the user may return to any of these self-service dispensingmachines at a future time and be able to input the code. Theseself-service dispensing machines are operative to access the databaseover the network to verify that the code is valid. If the code is validthe self-service dispensing machine is operative to credit the amount ofchange corresponding to the code against the new purchase at theself-service dispensing machine. Once the code is used to receive creditfor the new purchase, the record that corresponds to the code in thedata store is updated with a status that all or a portion of the changehas been redeemed.

For example, in the described embodiment of motor fuel dispensingfacilities, the user is given a code or a voucher for an amount ofchange after purchasing fuel from a motor fuel dispensing machine. Thenext time the user requires fuel, the user can input the code or voucherinto a second fuel dispensing machine to receive a credit against asecond fuel purchase at the original or a different fuel dispensingfacility.

The input device of the self-service dispensing machine may include akeypad for entering the code. In other embodiments other identificationmethods described previously such as speech recognition or facerecognition may be used to facilitate crediting the correct user for theamount of change. In other embodiments the self-service dispensingmachine my include an input device that is operative to read indicia orother features from the voucher that are representative of the code. Forexample the input device may include a bar code scanner that isoperative to read bar code indicia representative of the code printed onthe voucher. In other embodiments the input device may include amagnetic stripe reader for example that is operative to read the codestored in a magnetic stripe on the voucher. In further other embodimentsthe input device of the self-service dispensing machine may be operativeto interpret physical features on the voucher such as holes punchedthrough the voucher that are representative of the code.

In another alternative embodiment, the code may be used to receivecredit for the purchase of merchandise or services from a self-servicedispensing machine of a different type than the machine that originallyissued the code. For example a code issued after a purchase of fuelcould be inputted into a vending machine type self-service dispensingmachine to pay for a beverage or other food item. The code may also forexample be applied to the purchase of a service such as a car wash froma cash wash type self-service dispensing machine.

In situations where the purchase price is less than the amount of valuethat corresponds to the code, the self-service dispensing machine couldeither issue a new code or update the record corresponding to theoriginal code in the networked data store with a new amount. This newamount of change and or the new code may be written by the self-servicedispenser to a new voucher that is presented to the customer. In otherembodiments the new amount of change and or new code may be written tothe original voucher and returned to the customer.

In still other exemplary embodiments the automated transaction machineof the system may be operative to receive checks from a user in paymentfor merchandise. The machine may be operative to analyze and validatechecks using approaches like those described in U.S. patent applicationSer. No. 10/603,266 filed Jun. 23, 2003 and/or Ser. No. 10/944,579 filedSep. 16, 2004, the disclosures of each of these patent applications areincorporated herein by reference.

Although the described embodiments have the user interface located onthe self-service dispensing machine, in other embodiments otherarrangements may be used. Specifically, the user interface may bepositioned in a separate terminal adjacent to the self-servicedispensing machine. Such an arrangement may facilitate retrofittingexisting dispensing machines with equipment to provide the capabilitiesdescribed. Similarly, while the described embodiment discloses a cashdispensing mechanism in the self-service dispensing machine, otherembodiments may provide the cash dispensing mechanism in an adjacentdevice. While the exemplary embodiment describes a dispensing machinethat is outside and a remote facility that is indoors disposed from themachine, other embodiments may have the dispensing machine and remotefacility where cash is provided within a single building, campus area orcomplex.

Alternative embodiments may be used in other types of self service orattended service dispensing activities. For example a few servicestations now have robotic filling devices which are capable of removingthe gas cap from the filler neck of the vehicle, inserting a fuel fillnozzle and then reinstalling the gas cap upon completion of theoperation. In such environments an optical, RF, infrared (IR) or othertransmission and reading devices may be used to identify the customer ortheir vehicle. Such signals may be used to charge the user's source ofmonetary value for the value of their fuel dispensed. Such systems mayenable a user to fill their fuel tank without having to leave theirvehicle. This may be valuable for handicapped individuals or in areaswhere persons are afraid to be outside of their vehicle.

In such systems a speech recognition system or other suitable devicewhich is capable of receiving inputs adjacent to the fuel fillingstation may receive inputs from a user indicating that they wish toreceive cash. In response to such inputs the user may receive the cashdirectly from the self service machine in the manner previouslydescribed. Alternatively a suitable mechanism such as the robot arm usedfor filling the fuel tank may be operated to move the dispensed cashfrom the outlet of the cash dispenser and into proximity of the vehiclewindow or the user.

Alternative embodiments may enable the user to receive requested cash bypassing through a drive-through lane. As the user moves adjacent to anATM or other cash dispensing device adjacent to the drive-through lane,the user, their vehicle, their transaction and/or source of monetaryvalue is identified in one of the manners previously discussed. Theamount of requested cash is then delivered to the user and the value ofthe dispensed cash is charged against the source of monetary value.

Alternative embodiments may be operated in different types oftransaction environments. As previously discussed, the user operatingthe self service dispensing device may be presented with messages on theoutput device of the dispensing machine. These outputs may encourage auser to order particular types of merchandise that are provided by theestablishment. The user is enabled to select the items of merchandisethey wish to purchase through inputs at the self service dispensingmachine. In establishments where fast food items are offered, forexample, a user may be enabled to select fast food items through inputsto the input device. Such fast food items can be charged to the user'ssource of monetary value along with fuel as well as cash to bedispensed. Such sources of monetary value may include accountsassociated with debit or credit cards as previously discussed. Likewiseas previously discussed, the source of monetary value may be a smartcard, check or money order. In situations where the self servicedispensing machine includes a cash accepting device, the source ofmonetary value may also be the cash that the user has input to the selfservice dispensing machine.

In such a system upon completion of the fuel dispensing operation theuser may travel either in their car or on foot to a merchandise deliverylocation where the customer receives the merchandise which is ordered.This may include for example a fast food delivery window through whichthe user may receive the food items ordered. In such a system if theuser has requested a dispense of cash, the cash may be provided to theuser from a cash dispenser located at or in proximity to the merchandisedelivery location. Alternatively the cash dispenser may be positionedbetween the self service dispensing machine and the merchandise deliverylocation. In this way the user may receive any cash requested from thecash dispenser. The cash the user receives may also include change thatis due them if the user placed cash in a cash accepting device at theself service dispensing machine. Alternatively the system may beconfigured such that the user receives a portion such as any bills thatare due to them as change and/or any additional cash requested, at thecash dispenser machine, while coin or types of bills not stored in thecash dispenser, which are due as change are provided at a separatestation or with the merchandise which is provided to the user. In thecase of a fast food establishment change due a user may be placed in anenvelope or other container and placed in or attached to the bags orother containers holding the merchandise for the customer. Appropriateidentifying techniques are used for correlating the identity of the userwith the transaction. In this way it is assured that the appropriateuser receives the requested cash, merchandise and/or change to whichthey are entitled.

Alternative embodiments may integrate these principles with remote ordercapability for merchandise. For example a user may place an order formerchandise over the phone with the establishment where they or anotherperson may intend to later pick it up or purchase additionalmerchandise. This may include for example a carry out restaurantassociated with a motor fuel dispensing facility. The order may beplaced with a person or electronically through an interactive voicerecognition device in operative connection with a phone system and acomputer. In placing the order the user provides a credit card number,name or other information that can be read or otherwise used by acomputer to recognize the person placing the order or the transactionwhen the customer arrives at the facility. Alternatively embodiments ofthe system may enable a user to place their merchandise orders through acomputer network such as the Internet. Again in placing such orders thecustomer provides such information as will enable the customer or theassociated transaction to be identified when they arrive at thefacility. Most often this will include a credit card number whichidentifies a user or an account which serves as a source of monetaryvalue which is charged for the merchandise that the user wishes toreceive.

The facility at which the merchandise is ordered may prepare themerchandise requested by the customer placing the remote order, and holdit pending the customer's arrival. Alternatively if the merchandise isfast food which is generally quickly made available, the order may notbe processed or the merchandise assembled until it is known that thecustomer has reached the facility.

After placing the order remotely, the customer or a person related tothe person who placed the order, travels to the facility to which theyhave placed the order. The customer identifies themself or theirtransaction to a terminal by providing an identifying input which can becorrelated to the order which has been previously placed. Often thisidentifying input may be an input of a credit card to a terminal at thefacility. In the case of the motor fuel dispensing facility the user mayidentify themselves by inputting the same credit card that was used inconnection with placing the order to the fuel pump. Upon receipt of thisinformation the computer at the facility may check the indicia read fromthe card against records of open orders and advise the customer thattheir order has been received and will be available for them to pick upin the facility or at a drive-through window. Such notice can be giventhrough the output devices adjacent the pump.

In circumstances where the customer's order has already been assembledprior to the customer's arrival, the merchandise may be moved to alocation more suitable for delivery to the customer. This might beappropriate for merchandise like a pizza which takes considerablepreparation time. Alternatively if the customer's order involves fastfood items, the order may be assembled from food items which areavailable from within the facility and gathered together in accordancewith the customer's order.

Of course some orders may have long lead time and short lead time itemswhich are assembled for delivery when the customer arrives at thefacility. The computer may operate the output device adjacent to wherethe customer provides the identifying input to request that the customerconfirm the order as recorded in a data store associated with thecomputer. The customer may provide such confirmation by inputs to theinput devices. In addition the customer may be presented with theopportunity to purchase additional items which are available within thefacility. These may include for example ready to eat side dishes,beverages or other items that may be complimentary to the customer'sorder. Such offers may be presented at the self service dispensingmachine or other customer request station through an appropriate outputdevice. Alternatively persons within the facility may communicate withthe customer via intercom so as to take any changes or additions to theorder as well as to advise the customer of how to receive the orderedmerchandise. It should be understood that the computer may also operatethe self service dispensing machine or other devices as part of thesystem in the manner previously described to enable the customer toobtain cash in addition to the merchandise that may have been ordered inadvance or at the customer terminal. Alternatively in circumstanceswhere the customer station includes cash accepting capability,provisions may be made for the customer to pay for merchandise with cashand receive change. This can be done in the manner previously discussedand may include for example a change dispensing machine which thecustomer travels to for the delivery of change. Change may be receivedeither separately or with the customer's merchandise. In addition if acustomer has remotely ordered merchandise using a credit or debit cardbut provides payment with cash at the merchandise delivery facility, thecomputer is caused to operate in accordance with its programming toavoid charging the customer's account or to carry out steps to reverseany charges previously applied to the customer's account.

Merchandise that the customer has ordered may be provided to thecustomer who has identified themself at the station by physical deliveryto the customer while they are dispensing motor fuel or otherwisepositioned adjacent to an identifiable customer station. Alternativelythe customer may travel into a facility in the manner previouslydescribed and may receive their order within the facility along withcash and/or change. Alternatively the customer may be requested to moveeither on foot or in their vehicle along a path. As the customertraverses this path, they may be provided with the cash and themerchandise.

In such systems provision is made as previously discussed, to correlatethrough operation of the computer at least one identifying inputassociated with the customer or the particular transaction, with theamount of cash (and/or including change) or merchandise they are toreceive. This identifying input may include as previously discussed, aninput of an item such as the customer's card and the indicia writtenthereon. This card may be read by an appropriate card reader at acash/change dispenser and/or at the merchandise delivery location.

Alternatively the customer may use a code to identify themselves ortheir transaction for purposes of obtaining cash and/or merchandise.This code may be a unique code assigned through operation of thecomputer and output to the customer at the self service dispensingmachine or other customer request station. This code may be output on ascreen or other output device or alternatively printed on a receiptvoucher or other item. The code or other item may then later be input toobtain the cash, change or merchandise. Alternatively the computeroperating the system may enable the customer to select their own code.The customer may then input their customer selected code at the selectedstation to obtain the appropriate amount of cash, change and/ormerchandise.

In alternative embodiments the identifying input correlated with theright to receive an amount of cash for merchandise may be a biometricinput. This may include for example the appearance of the user such astheir face, fingerprint, iris or retina. It may also include avoiceprint of the user's voice. Alternatively as previously discussedidentifying aspects of the customer's vehicle may be used in adrive-through environment. Of course it should be understood thatcombinations of two or more types of identifying inputs may be used asthe basis for delivering cash (including change) and merchandise to thecustomer. Various approaches will be apparent to those skilled in theart from the foregoing description.

As can be appreciated the systems of the type described provide addedconvenience for the customer and may provide a substantial time savings.This enables the customer to select the merchandise that they wish tohave in advance and through an interface that generally will providemore options concerning available merchandise than might be possiblethrough output devices available on a self service dispensing machine ora customer request station terminal. The customer can also be assuredthat they can obtain the merchandise they want prior to traveling to thefacility. The customer can also avoid the time that would normally bespent waiting for an order to be processed, cooked or assembled. Furtherwhen a food vending environment is combined with a motor fuel dispensingenvironment as in the exemplary embodiment, the customer is enabled tomake additions and changes through the interface on the self servicedispensing terminal or through other communications systems with thepersons in the facility. The operators of such systems also offer addedconvenience, faster customer service and increased throughput so thattheir fuel dispensing and food service facilities may serve more people.

As can be appreciated the principles including the ability of thecustomer to obtain cash, can be implemented in transaction environmentsthat do not include self service dispensing. Such transactionenvironments may enable a user to obtain cash using a source of monetaryvale. Such sources of monetary value may include for example accountsassociated with credit or debit cards. Such sources also include amountsassociated with checks, gift certificates or vouchers that can beredeemed for cash and/or merchandise. In systems which include theability to accept cash, the source of monetary value may include anamount that a customer has input in the form of cash, at least a portionof which may be returned to the customer as change, the amount havingbeen reduced by the cost of merchandise and/or transaction fees.

FIG. 38 is a schematic representation of a system 204 which comprises anattended vending environment. In the exemplary system 204 a facility 206is provided. The facility 206 may be a fast food restaurant or otherfacility for providing merchandise requested by users. It should beunderstood that in the exemplary embodiment facility 206 includes akitchen and other suitable food preparation and merchandise preparationand packaging activities necessary to serve the customers who use thesystem.

System 204 includes a path 208 along which customers pass to obtainmerchandise from the facility. In the exemplary embodiment path 208includes a drive-through lane along which customers travel in theirvehicles. In the exemplary embodiment a preorder board 210 is positionedadjacent to the beginning of the drive-through lane. The preorder boardincludes information about how the customer may use the system. It mayalso include a listing of menu items and prices for items that thecustomers may purchase. In the exemplary embodiment the preorder board210 also includes information which alerts a customer that they have theoption to pay for their merchandise using the sources of monetary valuethat the system accepts, which in the case of this exemplary system isdebit cards and cash. The preorder board 210 also preferably includesinformation that advises customers that they may obtain cash from theiraccounts as they pass through the drive-through.

System 204 further includes customer request station 212. In theexemplary embodiment customer request station 212 includes a voiceinterface through which a customer may communicate with a customerservice person in the facility 206 for purposes of taking their order.The customer request station also may be operated in a manner laterdiscussed in detail to enable the customer to charge their order to anaccount associated with their debit card as well as to obtain additionalcash. The customer request station is in operative connection with acomputer schematically indicated 214 within the facility. Computer 214operates to carry out the transaction by communicating with devices bothinternal and external to the facility. The computer 214 also keepsappropriate records related to operating the system as well astransactions which occur. Computer 214 is also in communication with thenecessary communications interfaces so that the funds to carry out thetransaction may be deducted from the source of monetary value which inthis case is the user's debit card account.

In exemplary system 204 there is also a cash delivery station 216. Thecash delivery station includes a cash dispenser 218 which is used todeliver currency notes which a user has requested. In this embodimentthe cash delivery station 216 is incorporated into a cashier's window220. The cashier's window is operated by a cashier to manually acceptcash payments from customers and to provide change.

System 204 also includes a merchandise delivery station 222. Themerchandise delivery station is a location at which users of the systemreceive their merchandise such as the fast food that they have ordered.It should be understood that while in system 204 the cash deliverystation and merchandise delivery station are disposed from one another,in other embodiments functions of both stations may be combined orplaced in sufficient proximity to one another that both functions areconducted while a user remains stationary.

FIG. 39 shows the user interface of the customer request station 212which may be alternative referred to as a merchandise order station. Theuser interface of the customer request station includes in thisexemplary embodiment, a terminal with an output device including adisplay 224. The customer interface also includes input devicesincluding a plurality of function buttons 226. The interface furtherincludes keys of a keypad 228. The exemplary embodiment of the customerrequest station 212 also includes a card reader 230. Card reader 230 inthe exemplary embodiment serves as an input device and is capable ofreading magnetic stripe type cards. The customer request station 212also includes a printer which is selectively operative to provideprinted receipts or other documents through a printer outlet 232. Itshould be understood that devices which comprise the customer requeststation of the exemplary embodiment are operated under the control ofone or more computers. Customer request station 212 also includes or hasadjacent thereto, an audio input device schematically indicated 234 andan audio output device schematically indicated 236. Such devices enablea user at the customer request station to communicate with a humanservice provider within the facility. The service provider also providesinputs through input devices which are operative to control functioningof devices at the customer request station. It should be understood thatthe input and output devices in customer request station 212 areexemplary and in other embodiments different types of input and outputdevices may be used.

In the exemplary embodiment a customer is enabled to communicate with anorder taking service provider in the fast food restaurant through theaudio input and output devices 234, 236 respectively. In system 204 ifthe customer is paying with cash they need not take any steps to operatethe customer request station other than to verbally communicate theirrequests for merchandise to the customer service provider. In suchcircumstances the customer places their order and then travels to thecashier window 220 to make payment in cash and receive any change duefrom the human cashier. Having made payment the customer may thenproceed to the merchandise delivery station 222 to receive theirmerchandise.

If the customer operating system 204 wishes to pay for their merchandisewith a debit card or receive cash, the exemplary system operates in themanner now described. The customer inputs their order verbally to thecustomer service provider. To indicate that the customer wishes toeither pay or receive cash using their card, they input the card intothe customer request station so that it can be read by the card reader230. This is done when the computer operating the customer requeststation is causing display of an output screen 238. Screen 238 shown inmore detail in FIG. 40, advises the customer to insert their card tomake a card payment or a cash withdrawal.

In response to the customer inserting their card into the card readerthe computer operates to cause a screen 240 to be displayed. Screen 240which is shown in more detail in FIG. 41 instructs a customer to inputtheir personal ID number or PIN using the keys on keypad 228. Screen 240prompts a customer to input their PIN and then to provide an input bytouching the function key 242 when finished.

In response to the customer indicating that they have input their PINthe computer operates the customer request station to display a screen244. Screen 244 which is shown in greater detail in FIG. 42 prompts thecustomer to select a transaction. The customer selects the transactionby touching either function key 242 or one of function keys 246 or 248.

In response to the customer selecting one of the options presented inscreen 244 the computer operates to cause screen 250 to be displayed.Screen 250 is shown in greater detail in FIG. 43. Screen 250 displaysthe customer's order as it has been input by the service provider.Screen 250 lists the items requested by the customer along with thetotal. The customer is requested to confirm that the order is correct bytouching function key 242. The customer may indicate a discrepancy andcorrect the order process by touching function key 246. If the customertouches function key 246 the service provider is notified so that thecustomer's order can be reentered through communication using the audioinput device 234 and audio output device 236.

Assuming that the customer has indicated that the order is correct, thecomputer operates the customer request station depending on thetransaction selected by the customer in response to screen 244. If inresponse to screen 244 the customer has indicated that they only wish topay for their merchandise and not receive cash, the computer operates tocause a screen 252 to be displayed. The computer also operates theprinter in the customer request station to deliver receipts to thecustomer in the printer outlet 232. Screen 252 is shown in greaterdetail in FIG. 45. Screen 252 instructs the customer to take thereceipts that have been printed for them and to drive to the secondwindow. In system 204 shown in FIG. 38 the second window is themerchandise delivery location 222. This is appropriate as the customerhas already paid for their food and does not need to make payment to acashier. In addition the computer operates to deliver the customer'scard back through the card reader 230. An appropriate screen ispresented reminding the user to take their card.

In the exemplary embodiment the customer is provided with two printedreceipts which may be correlated with their particular transaction ororder. These receipts may include for example a transaction number ororder number. Alternatively or in addition, the receipts may include alisting of the particular items ordered. The receipts may also generallyinclude the amount that the user has charged to the source of monetaryvalue for the particular order. In the case where two receipts areprovided to the customer, the customer may be requested to turn in onereceipt at the customer delivery station to receive their merchandise.Delivering one of the receipts also serves as a check to be sure thatthe proper customer receives the proper merchandise. A service providermay also use the receipt or information or indicia printed thereon, toindicate to the system that the order has been prepared or fulfilled.This may be done for example by scanning machine readable indiciaincluded on the receipt with a reading device such as a bar code reader.This information input can be used by the computer to indicate inassociated records that the order has been fulfilled. Alternatively acode or other information on the receipt may be input to a keypad orother type of input device by a customer service provider so that arecord stored in the computer 214 can be updated. Various approaches maybe used to documenting order completion and updating the records storedin the data store associated with the computer, depending on theoperation of the particular system.

The computer operates the customer request station differently from thatalready described when the customer has made a selection indicating thatthey wish to receive cash in response to presentation of screen 244.This is done by the customer selecting either of function keys 242 or248. When the customer has made such a selection the customer ispresented with either a screen 254 or 256. These screens are shown ingreater detail in FIG. 44. Screen 256 is shown to users whose source ofmonetary value is not one of those associated with the facility, andbecause of this are to be charged a transaction fee in addition to theamount of the cash and/or the value of merchandise selected. Screen 254is presented to a user who is not charged a transaction fee becausetheir source of monetary value is associated or otherwise has anarrangement with the facility from which the cash or merchandise is tobe provided.

The customer presented with either screen 254 or 256 is enabled toselect the amount of cash they desire by selecting function keys 242,246 or 248. Alternatively if the customer determines that they do notwish to withdraw cash because they prefer not to pay the conveniencefee, they may stop the cash withdrawal transaction by pressing afunction key 258. If the function key 258 is pressed when either screen254 or screen 256 is being displayed, the computer operates to continuethe cash withdrawal transaction. If the customer has selected to pay forthe order with their debit card in response to screen 244, screen 252previously described will be presented. Alternatively if the customerhad already indicated that they wish to obtain cash but not pay for theorder using their card, the computer will operate to cause analternative screen to be displayed advising the customer to travel tothe cashier's window 220 to make payment for the order.

If the customer selects an amount of cash to withdraw in response toeither screen 254 or 256, the computer operates the customer requeststation to instruct the customer to obtain their cash at the cashdispenser 218 located at the cash delivery station 216. In an exemplaryembodiment this is accomplished by displaying a screen 260 shown in FIG.46. In the operation of this exemplary embodiment the computer operatesto assign a code number to the customer's transaction. This code numberis caused to be printed on a receipt which is delivered to a customer.The receipt is delivered to the customer through printer outlet 232. Thecustomer's card is also returned from the card reader 230. The computer214 operating the system operates to correlate the identifying inputwhich is the number caused to be printed by the computer on thecustomer's receipt, with data corresponding to the request to receivethe amount of cash that the customer has indicated that they desire. Ofcourse the computer may also operate to communicate through appropriatecommunication devices with a remote host computer system whichcorresponds to the customer source of monetary value so as to withdrawthe appropriate amount from the customer's account. This may include theamount of the cash requested by the customer as well as the value of themerchandise, plus transactions fees, depending on the nature of thetransaction the customer has selected and the nature of the customer'saccount.

The customer then travels to the cash delivery station 216. The cashdelivery station includes the cash dispenser 218. The cash dispenser 218may include a mechanism of one of the types previously described whichis operative to selectively deliver cash to the customer. In theexemplary embodiment of the system the cash dispenser is a Provisor™cash dispenser of the type commercially available from Diebold,Incorporated. Such a cash dispenser may correspond to incorporated U.S.Pat. No. 6,371,368 or one of the other incorporated patent disclosures.This cash dispenser may be reloaded with cash from the interior offacility 206 without having to gain access to a bulk cash supply housedwithin the interior of the cash dispenser. Of course in otherembodiments other types of cash dispensers may be used.

The cash dispensing station 218 includes at least one input device. Inthis exemplary embodiment the cash dispensing station includes a userinterface with a keypad. The customer inputs the identifying codeprovided on their receipt through the keypad. The computer then operatesin response to the identifying input to cause the cash dispenser tooperate to dispense the desired amount of cash to the user.

If the user has selected to both pay for their order and obtain cashwith their card in response to screen 244, the user may then proceed tothe merchandise delivery location 222 and receive their merchandise bydelivering their receipt. Alternatively if the user has only indicatedthat they wish to have a cash withdrawal, they pay cash for the orderedmerchandise through the cashier window 222. It should be understood thatwhile it is preferable for users of the system 204 to order merchandisefrom the facility 206, the system may operate for some customers purelyto dispense cash and without the necessity of the customer purchasingmerchandise. Further the cash dispensing activity may be carried outeven when the facility is not operating to provide merchandise. Thisprovides additional opportunities for the facility operators to generaterevenue during the hours when they are normally closed from transactionfees that are imposed on certain cash dispensing transactions.

It should further be understood that the use of a code printed on areceipt or other item delivered to the customer, is but one of severalforms of identifying input that may be correlated with the customer'srequest for an amount of cash and which may be used by the system tooperate the cash dispenser. For example as previously discussed, thesystem may operate by utilizing a number or other indicia on thecustomer's card that is used to pay for the transaction as theidentifying input. In such circumstances the cash delivery station mayinclude a card reader which is capable of reading the customer's cardand causing cash to be dispensed in response thereto. Alternatively thecomputer which operates the system may be programmed to enable thecustomer to select their own identifying code. The customer selectedidentifying code may be used by the customer as an input at the cashdispensing station to receive cash. This may be input through a keypad,touchscreen or other manual input device, or audibly through a speechrecognition system. Alternative embodiments may use biometric inputsincluding face recognition to identify the customer who is entitled toreceive cash at the cash dispensing station. Alternatively or inaddition, features of the customer's vehicle including visual indicatorssuch as license plates, physical configuration, vehicle color or RF orIR inputs from a token or other item in or on the vehicle may be used asidentifying inputs for the delivery of cash. In addition other types orcombinations of inputs which can be used to uniquely identify theparticular person or vehicle in the path 208 that is entitled to receivethe dispense of cash may be used.

System 204 may also employ aspects of the feature previously discussedwhich enables a customer to preorder the merchandise they wish toreceive away from the facility. The computer may be operated to identifythe order upon entry of the customer's card into the card reader 230 ofthe customer request station 212. The customer may be presented with thesame or similar transaction options at the terminal. However thecustomer's order would appear at the terminal without the need forcommunication with the service provider through the audio input andoutput devices. This further speeds the customer's order processing andhelps the drive-through lane move more quickly.

FIG. 47 shows an alternative set of screens that may be displayed at analternative customer request station 262. Customer request station 262is similar in all respects to customer request station 212 except asotherwise specifically indicated. Customer request station 262 may beused in the system that is similar to system 204. Customer requeststation 262 in addition to the input and output devices of the typespreviously discussed, includes an image capture device 264. Imagecapture device 264 is aimed to have a field of view which captures thefacial features of the customer at the customer request station. Theimages captured by the image capture device 264 are used by the computer214 as an identifying input identifying (either alone or in combinationwith other inputs) the particular customer as being entitled to theamount of cash selected.

In the operation of customer request station 262 operation of theterminal may begin with a screen 266 which is similar to screen 224 andwhich prompts a user to input a card associated with a source ofmonetary value. This screen 268 is then caused to be presented which issimilar to screen 240. Screen 268 prompts a user to input a personalidentification number or PIN so as to authenticate them as an authorizeduser of the debit card input.

The computer then operates to output a screen 270. Screen 270 presentsthe user with two options rather than the three options which werepresented in screen 244. In screen 270 the user is presented with theoption of either paying for their order or receiving a cash withdrawal.The user responds to screen 270 by selecting an appropriate functionkey. In response to the input from screen 270 the computer causes ascreen 272 to be output. Screen 272 is similar to screen 250 in that itprompts a user to confirm the contents of their order.

In response to an input indicating that the order presented in screen272 is correct, the computer operates to cause the terminal at thecustomer request station to output either screen 274 or 276. Screen 274is output when the user has input a card corresponding to a source ofmonetary value that does not require payment of a transaction fee whenused in the system. Screen 276 is output by the computer when the sourceof monetary value requires the payment of a transaction fee to operatethe system.

In response to the user's selection of an amount in response to screens274 or 276, the computer causes a screen 278 to be output. The computeralso operates in response to the input to capture one or more imagesfrom the image capture device 264 or other image data that can beprocessed by the computer and used to correlate the particular user whois entitled to receive the amount of funds with the request for suchfunds. Of course the computer may also operate to communicateappropriate messages with a remote host computer or other source ofmonetary value to verify that the user's card is authorized and that thefunds requested are available.

In response to screen 278 the customer then may move to a cash deliverystation similar to a cash delivery station 16. In this embodimenthowever the cash delivery station includes an image capture device. Theimage capture device operates to capture an image of the user adjacentto the cash deliver station. The computer then processes data from thisimage and operates to determine if the data from this captured imagecorrelates with the image of a user who is entitled to receive fundsbased on the image captured at the customer request station. In responseto the computer determining that the user is authorized to receive thefunds, the computer operates the cash dispenser to provide the requestedamount of cash to the user. This may be accomplished using techniquesand equipment discussed in the incorporated disclosure of the allowedpatent application or through other suitable means.

Of course if in response to screen 270 the user has only requested topay for their order using their debit card, then the computer operatesso as to avoid dispensing any cash when the user passes adjacent to thecash delivery station. It should be understood however that in someembodiments an image capture device may be placed adjacent to themerchandise delivery station. An image of the user may then be used togenerate data which is correlated with the order information or otherdata so as to assure that the merchandise which the particular user hasordered is properly delivered to them. Of course other approaches andadditional techniques may be used which are within the scope of thepresent invention.

FIG. 48 shows an alternative system 280. System 280 is similar to system204 in that a merchandise providing facility 282 provides merchandise tocustomers to travel along a path 284 adjacent to the facility whichincludes a drive-through lane. System 280 operates generally in a mannersimilar to system 204 except as expressly discussed. System 280 includesa preorder board 286. Preorder board 286 serves a function similar topreorder board 210 previously discussed. In system 280 a customerrequest station 288 is provided. Customer request station 288 operatesin the manner similar to customer request station 212 previouslydiscussed. However customer request station 288 also incorporates a cashdispensing function. As a result if a user uses a proper card or othersource of monetary value and requests a dispense of an amount of cash atcustomer request station 288, the cash is delivered from a cashdispenser which is an integral part of the customer request stationwhich is alternatively referred to herein as a merchandise orderstation. The installation of the customer request station through thewall of the facility 282 enables this exemplary embodiment like the cashdispenser 218 in system 204, to be stocked with cash from the interiorof the facility. In addition customer request station 288 also has thecapability of operating independently as a cash dispenser when thefacility 282 is otherwise closed.

As in system 204, system 280 also includes a cashier window 290. Cashierwindow 290 may be used to manually receive cash and provide change tocustomers who do not pay for their merchandise using a card. System 280also includes a merchandise delivery location 292. Merchandise deliverylocation 292 in this embodiment is a delivery station through which fastfood items which have been ordered by the customer are delivered to thecustomer in their vehicle.

FIG. 49 shows an alternative system 294. System 294 is similar to system280 except as otherwise expressly described. System 294 includes twoseparate locations for customers to order, one of which is suitable forcustomers who wish to pay using a card or similar source of monetaryvalue. System 294 includes a preorder board 296. The preorder board 296provides the information to the customer in the manner previouslydescribed. In addition preorder board 296 may advise the customer tomove to the customer request station with the ATM interface if they wishto pay by credit an/or debit card.

System 294 includes a voice order board 298. Voice order board 298includes audio output and input devices so that a customer who is payingwith cash can communicate verbally with a customer service providerwithin the facility. A customer request station 300 is also provided.Customer request station 300 is similar to customer request station 288.Customer request station 300 may be used by a customer to place an orderand to pay with a card as well as to receive an amount of cash. System294 also includes a cashier window 302 and a merchandise deliverystation 304 that may be operated in the manner previously discussed.

FIG. 50 shows yet a further alternative system generally indicated 306employing the principles discussed herein. System 306 is generallysimilar to system 204 except as specifically described. In system 306customers communicate verbally with a service provider to place theirorder. Customers place their orders at a customer order station 308.After placing their orders customers travel along a path 310 whichincludes a drive-through lane, to a payment window 312. Payment window312 in this embodiment includes a cashier window through which a humancashier may receive cash and provide change. In addition payment window312 includes a cash dispenser including a user interface indicated 314.As in the case of the customer request stations previously described,the service provider provides inputs which enables the system toindicate through the screen of the user interface on the cash dispenserthe amount of the customer's order. The customer is then enabled to makepayment for such order using a credit or debit card or other itemcorresponding to a source of monetary value. In addition to paying fortheir order the customer may also request and receive a dispense of cashfrom the cash dispenser 314. In the exemplary form of system 306 theuser is enabled to receive a dispense of cash using a source of monetaryvalue even if they choose to pay cash for their order. Once the user hasmade payment at the payment window 312 the customer's merchandise ispresented to them at a merchandise delivery station 316.

FIG. 51 shows yet a further alternative system 318. System 318 issimilar to systems previously described except as otherwise indicated.System 318 includes an order terminal (not shown) which is similar toorder terminal 308 of system 306. The order terminal is located along apath 320 which includes a drive-through lane along which vehicles travelto order and receive their merchandise. In addition to the orderterminal, system 318 includes the customer request station 322. Customerrequest station 322 operates like customer request station 288 of FIG.48. The user is enabled to enter their order or otherwise identify itemsthey have previously ordered offsite through inputs to the customerrequest station. In addition the customer is enabled to input a card orother item associated with a source of monetary value. The customer isalso enabled to input a request for cash as well as an amount thereof.The cash is then dispensed to the customer at the customer requeststation 322. A customer who is paying for their merchandise using a cardor other source of monetary value at the customer request station 322 isthen enabled to proceed to a merchandise delivery station 324. Customerswho are paying with cash make payment at a cashier window 326.

A further alternative system generally indicated 328 is shown in FIG.52. System 328 is generally similar to system 204 except that it isdesigned to carry out additional functions and to reduce the amount oflabor necessary to operate the merchandise providing facility. In system328 customers travel along a path 330 using drive-through lane adjacentto the facility 332. Facility 332 in the exemplary embodiment is a fastfood restaurant but it should be understood that other facilitiesproviding merchandise may also employ similar principles.

System 328 includes a preorder board 334. Preorder board 334 may besimilar to preorder boards previously discussed which advise usersconcerning the operation of the system. A customer request station 336is also provided in the system. Customer request station 336 isgenerally similar to customer request station 212 previously describedexcept as specifically discussed herein. In the exemplary embodimentcustomer request station 336 includes a cash acceptor or cash acceptingdevice which can be used to identify currency notes which are acceptableto use for payment for merchandise. In addition in this exemplaryembodiment the customer request station 336 includes a check readingdevice which is capable of reading information on and verifyingauthenticity of checks which are inserted into the device. In theexemplary embodiment the check acceptor may be an IDM™ type checkreading device which is commercially available from Diebold,Incorporated, the assignee of the present invention. Of course in otherembodiments other types of check readers or check acceptors may be used.It should be understood that although customer request terminal 336 isdescribed as having both a cash acceptor and a check acceptor, otherembodiments may include one or the other of these types of devices oradditional types of devices.

System 328 further includes a cash dispensing station 338. Cashdispensing station 338 includes a cash dispenser 340 which is operativeto dispense currency bills in response to identifying inputs. It shouldbe understood that the customer request station 336 and cash dispensingstation 338 are operated responsive to a computer located within thefacility 332. System 328 also includes a merchandise delivery location342 through which merchandise is delivered to customers.

FIG. 53 is a schematic view of the logic flow carried out by thecomputer operating the devices associated with system 328. In a step 344a customer places an order at the customer request station 336. Step 344may be carried out responsive to inputs from a customer service providerwithin the facility while communicating through audio input and outputdevices with the customer at the customer request station. The serviceprovider provides inputs through an input device operatively connectedto the computer which correspond to what the customer has ordered. In anexemplary embodiment, as the data corresponding to each ordered item isinput the amount associated with each is output through an output devicesuch as the screen at the customer request station. In addition thecomputer is operative responsive to the inputs to provide the user withan output which represents a running total of the amount of thecustomer's order. The computer preferably is operative to include in therunning total all taxes and other charges so that the customer knows howmuch money the items ordered will cost. In this way if the customer hasa set amount to spend they can avoid exceeding the set amount.

Alternatively step 344 may be carried out by the computer using speechrecognition software. In such embodiments the customer speaks the itemsthat they wish to receive. The computer interprets the customer's voiceinput and outputs indicia corresponding to each recognized item ofmerchandise on the screen. The computer may also provide outputs throughthe screen or otherwise, to indicate to the customer that it has beenunable to recognize a particular ordered item. The computer may output arequest that the customer restate their order when appropriate.Alternatively or in addition, step 344 may involve recovering frommemory information concerning an order placed by the customer remotelyeither by telephone or through an Internet connection. Additional itemswhich the customer may wish to order may be added to the prior orderwhen the customer arrives at the facility. In either event step 344 isoperative to cause the computer to produce a total for the order thatthe customer wishes to place.

Alternative embodiments may provide for a user to indicate merchandiseitems through the use of inputs to an automated transaction machine at amerchandise order station. In an exemplary embodiment shown in FIG. 60the automated transaction machine includes features previously describedand in addition includes a touchscreen interface 345. Interface 345provides an output device similar to display 224 as well as a tactileinput device. Users may selectively provide inputs by bringing theirfinger adjacent to the display to indicate a selection that is thencurrently output on the display adjacent to the area or the display thatis touched by a user. In this exemplary embodiment the automatedtransaction machine operates in accordance with its programming tooutput visual appearance representations of merchandise items that areavailable for a user to purchase. This is represented by a screen 347.In this exemplary embodiment screen 347 includes a visual appearance offood items that are available for purchase. The machine user is enabledto place an order for selected food items by touching the screen in thearea of the item.

In an exemplary embodiment available merchandise items includeappearance as well as written descriptions so as to facilitate a user'sidentification of the item. Such visual representations in someembodiments may also include the price information. A user is enabled toselect various items in the exemplary embodiment in this manner.Further, as a single screen may not be sufficient to show all availablemerchandise items, the user is enabled to view additional items bytouching “Next” and “Back” indicators on the screen. In the exemplaryembodiment selection of an item may cause a border or other indicator toappear around the item so as to indicate to the user that it has beenselected. Further, in some embodiments, a numerical indicator may alsoappear to indicate to a user the number of a particular item that hasbeen ordered. For example if the user wishes to purchase a plurality ofthe same item they may touch that item a plurality of times, causing thedisplay's numerical value to increment to show the number of items ofthat type that have been ordered. The user may also touch a “Done”indicator to indicate that they have completed their item selections. Ofcourse this approach is exemplary of approaches that may be used.

After the order has been taken, the system is operated to execute thefunction of having the customer select a payment method. This isrepresented by a step 346. This can be accomplished through the computeroperating an output device at the customer request station to prompt theuser to provide an input. In response to the prompt, the customer inthis exemplary embodiment is enabled to provide inputs indicating thatthey wish to pay using cash, a debit card or credit card. Each of theseoptions represent a source of monetary value that the customer may useto make payment for merchandise purchased.

The computer operates in response to the input provided by the customerconcerning how they wish to pay for their merchandise in accordance withits programming to provide appropriate instructions to the customer. Forexample in the case where the customer has requested to pay with cash,the computer operates the output device at the customer request stationto prompt the customer to input to a cash acceptor the cash to pay forthe transaction. This is represented in FIG. 53 by a step 348. Once thesteps associated with having the customer input the cash in the machineare completed, the computer operates to execute a function to indicateto the customer the amount of cash they are entitled to receive aschange. This is represented by a step 350. Alternatively if the customerhas indicated that they wish to pay with a debit card, the computeroperates in a manner similar to that previously described to output aprompt for the customer to insert a debit card into the card reader ofthe customer request station. This is represented by a step 352. Thecomputer also operates the output device to prompt the customer to inputtheir personal identification number or PIN as represented at a step354. Alternatively if the customer has indicated that they wish to payusing a credit card, the computer operates to prompt the user to inputthe credit card into the card reader of the customer request station.This is represented by a step 356.

In each case where a customer is using a source of monetary valuecorresponding to a card, the computer operates to provide an output toan output device at the customer request station prompting the customerto indicate whether they wish to also receive cash to be charged totheir account. This is represented by a step 358. If the user respondsthat they wish to obtain cash the computer operates to cause thecustomer request station to output messages similar to those previouslydescribed which prompt a user to input an amount. This is represented bya step 360. The user then indicates through an input device the amountof cash that they wish to receive. This is represented in FIG. 53 by astep 360. Regardless of whether the user is choosing to receiveadditional cash the computer operates the customer request station toindicate to the customer the amount to be charged to their source ofmonetary value. This may include amounts for the merchandise as well asadditional cash to be dispensed. It may also include additional chargessuch as taxes, transaction fees or service fees. This activity isrepresented by a step 362.

Regardless of the source of monetary value being used by the customer,the computer then operates to correlate the transaction data associatedwith the transaction that the user is conducting with identifying datawhich can be used to identify the particular customer who is carryingout the transaction. This may include selecting particular identifyinginputs that can be used to identify the particular user. These mayinclude for example as previously discussed providing the user with acode. Alternatively biometric inputs or inputs associated with theuser's vehicle, or signals which can be generated by an item in thevehicle or in proximity to the user may be used as the identifyinginput. The computer operates by storing data in the data store tocorrelate the identifying input with the particular transaction activitycarried out by the customer.

Once the customer has completed their activity at the customer requeststation 236 the customer moves to the cash dispensing station 338. Atthe cash dispensing station the customer provides the identifying inputassociated with their transaction. In response to the receipt of theidentifying input, the computer operates the cash dispenser to dispenseall or a portion of the cash that is due the customer. Whether all or aportion of the amount due the customer is returned at the cashdispensing station may depend on whether the cash dispensing stationincludes a device which is capable of dispensing denominations of billsand coin to fully provide the customer with change. If the cashdispensing station only provides certain denominations of bills whichare larger than required to provide the customer with the amount due,other denominations needed or coin may be provided by another machine ora cashier. In some embodiments any coin which is due to customer may beprovided in an envelope or other container with the merchandise at themerchandise presentation location 342. Alternatively coin may bedispensed into a container from which it may be taken by the customer atthe cash dispensing station, merchandise presentation station or otherlocation.

In the case of a customer who has used cash as their source of monetaryvalue, the cash dispensing station 338 operates to dispense the billsthat they are entitled to receive as change. In addition the cashdispensing station may also dispense coin if it has that capability. Ifthe customer is conducting a card based transaction, the cash dispensingstation operates in response to the identifying input to dispense to thecustomer the amount of cash they have requested. This is represented inFIG. 53 by a step 366.

As previously discussed the merchandise for the customer is deliveredfrom the merchandise delivery location to the customer in their vehicle.In some embodiments providing the merchandise may also be accompanied byproviding coin or other change that is due the customer. Inputs to thecomputer provided by a service provider are operative to indicate thatthe merchandise has been delivered to the customer. This isschematically represented by a step 368.

As can be appreciated these functional steps are exemplary and in otherembodiments different, other or additional steps may be used.

FIG. 52 is a schematic view of a logic flow executed by the system 328when in addition to cash, a credit card or debit card, a user of thesystem is also enabled to cash a check and use the check as a source ofmonetary value. FIG. 54 is identical to FIG. 53 except as specificallydiscussed herein. When checks may be used in the system as a source ofmonetary value, the computer operates in step 346 to also provide theuser with the option to indicate that they wish to pay by check. Inresponse to a user selecting this option the computer operates thecustomer request station so that it can accept a check and the user isprompted to input the check. This is represented schematically by step370.

The input check is then read by a check reading device such as the IDM™device produced by Diebold, Incorporated or other device reads theinformation on the check. Such a device may operate in a manner similarto that described in U.S. Patent Application Ser. No. 60/833,554 filedJul. 27, 2006 and/or U.S. Patent Application Ser. No. 60/857,942 filedNov. 10, 2006, the disclosure of each of which is incorporated herein byreference. In the exemplary embodiment the check may also be subject tocertain tests which verify that the check is genuine. These tests arecarried out by the computer operating in connection with the checkreading device and is schematically represented by step 372. Such testsmay include for example, checking indicia on the check for a properformat, sensing for proper inks or other indicia, or analyzing theindicia or signature on the check.

Step 372 results in the computer having an output which indicates theamount of the check and information about the particular account it isdrawn on. The scanning process may also produce data representative ofthe name of the payor of the check. The computer then operates asrepresented by a step 374 to confirm the identity of the user presentingthe check. This can be done in a number of ways. The user may hold anidentifying card which includes data thereon indicative of the user'sidentity. The user may input this card into the customer request stationand the computer may operate to determine if the card presented hasindicia which corresponds to the name on the check. Alternativelybiometric inputs may be received from the person wishing to cash thecheck. These biometric inputs may be compared to information stored onan identification card presented by the user. Alternatively thebiometric inputs may be compared through operation of the computer withbiometric data stored in a local or remote database which serve toidentify the user as a person authorized to cash checks. Otherapproaches may be used for confirming the identity of the customer orfor obtaining inputs to establish that this customer is one who isauthorized to cash a check.

Upon determining that the customer is authorized to cash a check, thecomputer operates as represented in a step 376 to have the customerconfirm the amount read from the check and the amount that they willexpect to receive as change in the transaction. In the exemplaryembodiment in response to outputs generated by the computer the user isenabled to confirm that the check has been read correctly oralternatively cancel the transaction and receive return of the check.

Assuming that the check has been read correctly and the user provides aninput to that effect, the computer then operates in one of the wayspreviously discussed to correlate an identifying input which can bereceived from the customer with data corresponding to the particulartransaction. The user may then proceed along the path through thedrive-through lane to receive their change which in this case representsthe balance which corresponds to the amount of the check not chargedagainst the amount for the merchandise and any taxes and servicecharges. At least a portion of the cash the user is entitled to receiveis delivered at the cash dispensing station 338. The user then receivestheir merchandise (and in some embodiments the reminder of their changesuch as coin) at the merchandise delivery station 342.

FIG. 61 shows an exemplary embodiment of an automated transactionmachine 446 that may be included as part of an exemplary customerrequest station, which is alternatively referred to herein as amerchandise order station. Machine 446 includes a housing 448. Housing448 includes a secure chest portion 450.

Machine 446 includes an output device which in the exemplary embodimentincludes a display 452. Display 452 of this exemplary embodimentincludes a touchscreen input device of the type previously described.Machine 446 also includes other input devices including a keypad 454. Afurther device of the exemplary embodiment includes a card reader 456.Card reader 456 may include a device suitable for reading cards of thecontact or contact-less types previously discussed. This may includemagnetic stripe cards, smart cards, stored value cards, RFID cards, RFback scatter cards, or other items that can convey information about auser and/or their accounts. It should be understood that for purposes ofthis disclosure a card reader will be deemed to include any device thatis capable of reading any of such articles.

The machine 446 further includes a receipt printer 458. The receiptprinter 458 may operate in a manner like that previously described toprovide receipts to users.

The exemplary machine 446 further includes a cash acceptor schematicallyindicated 460. The cash acceptor 460 may be one of the types previouslydescribed which receives a stack of notes indicated 462 through anopening 464 in the machine. It should be understood that for purposes ofthis disclosure a stack of notes may comprise one or more notes that arereceived by the machine from a user. The exemplary cash acceptor 460includes devices that are selectively operative to separate notes from areceived stack and move them one at a time through an evaluation deviceschematically indicated 466. Evaluation device 466 may operate in amanner like that described in the incorporated disclosures to determinewhether notes that are received are valid or potentially suspect.

In the exemplary embodiment the cash acceptor operates in conjunctionwith other devices within the ATM to cause suspect notes or other itemswhich are not valid notes to be deposited in a storage areaschematically indicated 468. Valid notes are directed in an exemplaryembodiment through an opening 470 and into an interior area of the chestportion 450.

Within the chest portion of the exemplary embodiment, at least onetransport 472 is operative to move notes selectively to note recyclers474, 476 and 478. The recyclers of the exemplary embodiment areoperative to receive and store notes that are determined as validthrough operation of the cash acceptor. The recyclers may be for exampleone of the types shown in incorporated U.S. Pat. Nos. 6,371,368;6,726,097; and/or 6,273,413. Of course these approaches are exemplary.Notes in transport 472 are selectively directed to the recyclers byactuating diverters 480, 482 and 484 shown schematically. The actuationof the diverters are selectively operative to direct notes that moveinto the secure chest along the transport 472 to be engaged and storedin a selected one of the recycling mechanisms. Thus for example notes ofa certain denomination may be stored in a particular recyclingmechanism.

In the exemplary embodiment, the note recycling mechanisms are alsooperative to dispense notes that have previously been stored therein.This enables the machine to provide bills to users who request cash atthe customer request station. In the exemplary embodiment the requestedcurrency notes are passed from the recyclers through the transport andto the opening 464 through the note evaluating device. This may enablethe machine to verify that the notes that it is dispensing are valid andto divert any suspect or invalid notes into the storage area 468 ratherthan delivering them to the customer through the opening 464. Of courseit should be understood that this approach is exemplary of otherapproaches to delivering notes that may be used.

The exemplary automated transaction machine further includes at leastone computer 486. Computer 486 may be alternatively referred to hereinas a processor or a controller. For purposes of this disclosure acomputer may include one or several processors, which processors may becentralized in a single enclosure, or may be distributed in the machine.The computer 486 is in operative connection with the transactionfunction devices included in the machine so as to control theiroperation in accordance with programmed instructions stored in one ormore data stores 488.

Computer 486 is in operative connection with a communications device490. Communications device 490 may comprise one or more appropriatecommunications devices which are operative to communicate with othercomputers or devices through one or more networks schematicallyindicated 492. Networks 492 may comprise local area networks, wide areanetworks and may include public or private networks as necessary for thetransaction machine to communicate to carry out transactions. Suchcommunications may include communicating to other computers at thefacility including communications to the merchandise delivery station.Such communication may also be to one or more host computers such that auser may use a non-cash source of monetary value such as a credit ordebit card account to make payment for merchandise delivery items, aswell as to pay for cash which is dispensed through operation of themachine.

It should be understood that the machine and the components andoperational features thereof described are merely exemplary. In otherembodiments different machines with other devices and capabilities maybe used.

While the examples previously discussed herein have included thecapability for the customer request station to communicate with a humanservice provider for entering the customer's order, other embodimentsmay operate using computer generated voice outputs and speechrecognition software for purposes of receiving the customer's orders orinstructions. In addition the computer may also operate to generateimages of a simulated person or other entity providing the voiceprompts. These may include for example images that look like a humanbeing who may be taking the order from the customer. Alternatively thecomputer may generate cartoon characters, images of famous persons orimages of other entities to make the order process more interesting forthe customer. In some exemplary embodiments the customer request stationmay present a computer generated image which projects an appropriatepositive image for the merchandising facility. FIG. 55 includes anexample of a customer request station indicated 378 and which is used tooutput an image of a simulated person. The simulated person appears tomove responsive to operation of the computer in a manner coordinatedwith the simulated voice outputs and who appears to the user to betaking the order from the user.

FIGS. 56-59 are a schematic view of the logic flow carried out by thecomputer in operating the customer request station and other componentsof the system such as system 328. The logic flow begins with a step 380in which a customer is sensed adjacent to the customer request station.This may be done using a sensor such as an infrared, optical, sonic,weight or inductance sensor for sensing a person or their vehicleadjacent to the customer request station. An appropriate time aftersensing the customer the computer operates to output the image throughthe output device of the customer request station along with an audiblesimulated voice prompt welcoming the customer and asking to take theirorder. This is represented by a step 382.

In response to requesting that the customer indicate what they wish toorder, audible instructions are received from the customer. The computeroperating speech recognition software receives the voice inputs asrepresented in a step 384 and attempts to identify them as theparticular items that are available to purchase. The speech recognitionsoftware may recognize instructions in multiple languages and thecomputer may output simulated voice prompts in a selected languageresponsive to the language used by the customer. The computer may alsochange or modify the output simulated order taker responsive to languageselection or other parameters.

In exemplary embodiments the customer request station is locatedadjacent to a menu board which includes the items that the customer mayorder. The speech recognition software operates to attempt to identifythose items listed on the menu board. As items which are available forpurchase are identified in the customer's voice input, the computer isoperative to list the item the customer has requested on the screen.Further in exemplary embodiments the computer is also operative todisplay a running total so that the customer may keep track of theamount spent. Windowing techniques may be utilized by the computer tolist the items while maintaining an image simulating a person taking thecustomer's order. This activity by the computer is represented by a step386.

In taking the customer's order the speech recognition software alsooperates to monitor for appropriate closing words by the customer. Theseclosing words are what a customer would normally say to indicate thatthey have finished providing their order. In addition the closing wordsmay change in response to different prompts given by the user. Themonitoring for closing words is represented by a step 388. Also whilethe customer is inputting their order the computer operates to monitorthe customer's voice inputs for an extended pause. This is representedby a step 390. If the computer senses an extended pause, the computeroperates to output a voice prompt to the user asking the customer ifthey have finished. This is represented by a step 392. After thecustomer is given the prompt the computer monitors for closing words aswell as additional closing words that would normally be responsive tothe prompt. Generally in response to the prompt the customer will eithercontinue providing inputs corresponding to items to be ordered or willstate words that are indicative of closing the listing of items to beordered.

In response to the customer indicating that they have completed theirorder, in this exemplary embodiment the computer operates to output amessage to solicit the customer's interest in a promotional item. Thisis represented by a step 394. The computer then monitors the input fromthe voice of the customer to determine if the customer wishes to acceptthe promotional item. This is represented in a step 396. The simulatedentity interacting with the customer may change for the promotional itembased on the item, language, the contents of the customer's order orother parameters. The simulated person may also interact with users inmultiple languages or dialects. If the customer accepts the promotionalitem the computer operates to include the promotional item in the listof items being purchased on the screen as represented in step 398.

After receiving the response concerning the promotional item thecomputer operates to output simulated voice outputs restating thecustomer's list of merchandise being ordered. The voice states the itemsand then prompts the customer to indicate whether the list is correct.This is represented by a step 400. After prompting for confirmation ofthe order the computer monitors to determine if the customer provides avoice input which confirms the order or any input which indicates thatthe order is incorrect. This is represented by a step 402. If thecustomer indicates that the order is incorrect the computer provides anoutput to the customer apologizing and requesting that the order bereentered as represented by a step 404.

If the customer provides an input indicating that the order has beentaken correctly the computer operates to provide an audible outputmessage to the customer which includes the total and a request for themto indicate how they wish to pay. This is represented at a step 406. Thecomputer then monitors for response at a step 408. In response to thecustomer's indication of how they wish to pay the computer operates tocarry out an appropriate programmed transaction sequence for the sourceof monetary value to be used. This is represented by a step 410.

As represented in a step 412 if the system is of the type that has acashier the customer is provided with an instruction to move to thecashier's window if they indicate that they are paying with cash. Thisis represented by a step 412. If however the system enables a customerto input cash at the customer request station the computer operates toinstruct the customer to input notes into a cash accepting device at thecustomer request station. This is represented by a step 414. Thecomputer then operates to determine if the notes being input areacceptable and to determine the value of each. The computer is operativeto return any unacceptable notes to the customer. This is represented bya step 416. Upon the customer completing the input of notes the computeris operative to calculate the amount of change the user is to receive.In addition the computer may calculate the denomination of notes andcoin the user is to receive after the amount input is reduced by thevalue of the merchandise to be delivered and other charges. This isrepresented by a step 418.

If alternatively in response to step 406 the customer indicates thatthey are paying with a card, the computer operates to prompt thecustomer at a step 420 to input their card into operative connectionwith the card reading device. The computer then operates to read thecard data and execute such further steps as may be appropriate. Forexample in cases where the card is a debit card the customer may beprompted to input a PIN number or other identifying biometric or otherinput so as to verify that the user is authorized to conducttransactions using the card. This is represented by a step 422.

Alternatively if the user indicates that they wish to pay by check, thecomputer operates to prompt the customer to insert the check into thecheck reading device at the customer request station. This isrepresented by a step 424. The computer then operates in accordance withits programming to identify the information on the check and to verifythe authority of the user to cash the check. This may be done using oneor more of the techniques previously discussed. This activity by thecomputer is represented by a step 426. After determining that the checkis to be accepted the computer then operates to reduce the amount of thecheck by the value of the merchandise purchased and any other charges,and to calculate the balance and nature of the change to be provided tothe customer. This is represented by a step 428.

The computer after determining the amount of cash the customer is toreceive, operates to correlate an identifying input that can beassociated with the customer or the particular transaction. This isrepresented by a step 420. As previously discussed the correlating inputmay be a variety or combination of codes, biometric inputs, signalinputs or other inputs associated with a vehicle or other inputs. Inthis exemplary embodiment the computer is operative to provide the userwith a code on an item dispensed from the customer request station. Thisitem may include one or more receipts. The computer further outputsinstructions to the user on the use of this code. This is represented bya step 432. The computer also operates to enable the cash dispenserdevice to deliver the cash to the user in response to input of thiscode. This is represented by a step 434.

As the customer has placed an order for merchandise the computer alsooperates in the exemplary embodiment to provide information to theworkers who have responsibility for assembling the order. This mayinclude for example providing information concerning the order on one ormore screens which are watched by workers and which are used to instructthem on fast food items to cook or to assemble. This activity by thecomputer in outputting the information necessary to prepare themerchandise for the customer is represented by step 436.

In the event that the change being returned to the customer is beingprovided from more than one device the computer also operates to enablea coin dispenser to dispense the correct amount of coin to which thecustomer is entitled. This may be for example a coin dispenser near themerchandise assembly area which places the coin which is due to thecustomer in an envelope or other container which is included with orattached to the merchandise order. This is represented by a step 438. Ofcourse it should be understood that in some embodiments where a coindispensing terminal is used to provide the customer with change, bothnotes and coin may be delivered to a customer at the cash dispensingstation.

The customer moves along the path from the customer request station inthe drive-through lane and eventually inputs the code to the cashdispenser at the cash dispensing station. In response the computeroperates to deliver the number and type of notes that are appropriate todeliver to the customer. This is represented by a step 440. The customermay then take their notes and move forward to the merchandise deliverylocation. In the exemplary embodiment the customer presents theirreceipt and receives the merchandise as well as the coin portion oftheir change. As these items are delivered appropriate inputs areprovided to the computer by a service provider, sensors or otherdevices, to indicate that these actions have been taken. The computerupdates its records as represented by steps 441, 442 and 443.

As can be appreciated a system of this type reduces the amount of humaneffort required to operate the system. This is due to the computerizedorder taking and cash handling process. This enables workers toconcentrate on merchandise preparation and delivery. As a result alarger number of customers may be served more quickly by fewer workers.Such systems may also serve customers who speak different languages. Inaddition embodiments may enable persons who may not have credit or debitcards to utilize the system by cashing checks and to receive the balanceof their funds in a manner that is fast and convenient. Such a systemmay prove advantageous particularly to persons who do not have accountswith financial institutions or whose institutions may not maintainbusiness hours convenient for the particular person. Numerous additionaladvantages will be apparent to those skilled in the art.

Thus, the devices, methods and systems described achieve at least someof the above-stated objectives, eliminate difficulties encountered inthe use of prior devices and systems, solve problems and attain thedesirable results described herein.

In the foregoing description certain terms have been used for brevity,clarity and understanding, however no unnecessary limitations are to beimplied therefrom because such terms are for descriptive purposes andare intended to be broadly construed. Moreover, the descriptions andillustrations herein are by ways of examples and the invention is notlimited to the exact details shown and described.

In the following claims any feature described as a means for performinga function shall be construed as encompassing any means capable ofperforming the recited function and shall not be deemed limited to thestructures or method steps shown therein or mere equivalents.

Having described the features, discoveries and principles of theinvention, the manner in which it is constructed and operated and theadvantages and useful results attained, the new and useful structures,devices, elements, arrangements, parts, combinations, systems,equipment, operations and relationships are set forth in the appendedclaims.

1. Apparatus comprising: an automated transaction machine including: ahousing; at least one output device in operatively supported connectionwith the housing, wherein the at least one output device includes adisplay; at least one first input device in operatively supportedconnection with the housing, wherein the at least one first input deviceis operative to read card data presented by a user of the machine, andwherein the at least one first input device is operative to receive atleast one first input which identifies a source of monetary value usablein payment by the machine user; at least one second input device inoperatively supported connection with the housing, wherein the at leastone second input device is operative to receive: at least one secondinput corresponding to at least one food item selected for purchase bythe machine user, wherein the at least one food item has an associatedcost, and at least one third input corresponding to an amount of cashrequested by the machine user in a cash withdrawal transaction; a cashdispenser in supporting connection with the housing; at least onecomputer in operative connection with the at least one output device,the at least one first input device, the at least one second inputdevice, and the cash dispenser, wherein the at least one computer isoperative responsive to communication with at least one remote computerto: cause the cash dispenser during the cash withdrawal transaction todispense the amount of cash requested by the machine user to the machineuser, cause a charge corresponding to both the cost associated with theat least one food item selected and the amount of cash requested in thecash withdrawal transaction to be assessed against the identified sourceof monetary value, and provide at least one output through the at leastone output device informing the machine user to pick up the at least onefood item selected at a food pick up station disposed from the machine.2. The apparatus according to claim 1 wherein the at least one secondinput device comprises an audio input device, and wherein the at leastone computer includes speech recognition software operating therein, andwherein the at least one second input comprises a verbal input.
 3. Theapparatus according to claim 2 wherein the at least one output devicecomprises an audio output device, and wherein the at least one computerincludes simulated speech generation software, wherein the at least oneoutput device is operative to provide at least one simulated speechoutput.
 4. Apparatus comprising: an automated transaction machineincluding: a housing, at least one output device in operativelysupported connection with the housing, wherein the at least one outputdevice includes a display wherein the at least one output devicecomprises at least one audio output device at least one input device inoperatively supported connection with the housing, wherein the at leastone input device is operative to read card data presented by a machineuser, wherein the at least one input device is operative to receive atleast one first input which identifies a source of monetary valueassociated with the machine user, wherein the at least one input deviceis operative to receive at least one second input corresponding to atleast one merchandise item selected for purchase by the machine user,wherein the at least one merchandise item has an associated cost, andwherein the at least one input device is operative to receive at leastone third input corresponding to an amount of cash requested by themachine user, a cash dispenser in supporting connection with thehousing, at least one computer in operative connection with the at leastone output device, the at least one input device, and the cashdispenser, wherein the at least one computer includes software operativeto cause images of a simulated person to be output through the display,wherein the at least one computer is operative to cause the images ofthe simulated person to appear to speak through the at least one audiooutput device, wherein the at least one computer is operative to causethe cash dispenser to dispense the amount of cash to the user, to causea charge corresponding to the cost and the amount to be assessed againstthe source of monetary value, and to provide at least one output throughthe at least one output device indicating that the machine user mayreceive the at least one merchandise item at a delivery station disposedfrom the machine.
 5. The apparatus according to claim 4 and furthercomprising: a note acceptor in operatively supported connection with thehousing, wherein the note acceptor accepts valid notes into the machine,and wherein the valid notes have an associated cash value, wherein thecash acceptor is in operative connection with the at least one computer,and wherein the at least one computer is operative to cause the cost ofmerchandise to be assessed against the cash value.
 6. The apparatusaccording to claim 5 wherein the at least one computer is operative todetermine a difference between the cash value and the cost, and isoperative to cause the cash dispenser to operate to dispense at least aportion of the difference to the user.
 7. The apparatus according toclaim 6 and further comprising: a note recycler in operatively supportedconnection with the housing, wherein the at least one computer isoperative to cause notes accepted by the note acceptor to be storedthrough operation of the recycler, and wherein the recycler includes thecash dispenser.
 8. The apparatus according to claim 7 and furthercomprising: at least one biometric input device in operatively supportedconnection with the housing, wherein the at least one computer is inoperative connection with the at least one biometric input device. 9.The apparatus according to claim 8 wherein the at least one biometricinput device includes a camera, and wherein the camera is in operativeconnection with the at least one computer, and wherein the at least onecomputer includes face recognition software operating therein.
 10. Theapparatus according to claim 9 wherein the at least one merchandise itemcomprises at least one food item.
 11. Apparatus comprising: an automatedtransaction machine including: a housing; at least one output device,wherein the at least one output device includes a display and an audiooutput device; at least one input device in operatively supportedconnection with the housing, wherein the at least one input deviceincludes a card reader and at least one audio input device; at least onecomputer in operative connection with the at least one output device andthe at least one input device, wherein the at least one computerincludes speech recognition software, speech generation software andsoftware operative to cause an image of a simulated person to be outputthrough the display, wherein the at least one computer is operative toreceive an order for merchandise including at least one food item havingan associated cost, through verbal inputs received from a machine userthrough the audio input device, wherein the verbal inputs are receivedresponsive to simulated speech outputs caused to be output through theaudio output device responsive to operation of the at least onecomputer, wherein the simulated speech outputs appear to the machineuser to come from the simulated person, a visual image of whichsimulated person is output through the display, and wherein the at leastone computer is further operative to cause the cost to be assessed to asource of monetary value associated with a card read through operationof the card reader.
 12. The apparatus according to claim 11 and furthercomprising a cash dispenser, wherein the cash dispenser is in operativeconnection with the at least one computer, and wherein responsive to atleast one input to the at least one input device, the at least onecomputer is operative to cause the cash dispenser to dispense an amountof cash and to cause the amount to be assessed against the source ofmonetary value.
 13. The apparatus according to claim 12 and furthercomprising: a cash acceptor in operatively supported connection with thehousing, wherein the cash acceptor is operative to evaluate notes andaccept valid notes in the machine; a cash recycler in operativelysupported connection with the housing and in operative connection withthe cash acceptor; wherein the cash acceptor and the cash recycler arein operative connection with the at least one computer, wherein the cashrecycler includes the cash dispenser, and wherein the at least onecomputer is operative to cause the cost of merchandise to be assessedagainst a value associated with valid notes received through the cashacceptor.
 14. The apparatus according to claim 13 wherein the at leastone computer is operative to calculate a difference between the valueassociated with valid notes received through the cash acceptor and thecost associated with the merchandise, and wherein the at least onecomputer is operative to cause the cash recycler to dispense from themachine at least a portion of the difference.
 15. The apparatusaccording to claim 14 and further comprising at least one camera,wherein the at least one camera is in operative connection with the atleast one computer, and wherein the at least one computer includes facerecognition software operating therein.
 16. A method comprising: (a)operating an automated transaction machine to receive: an order for atleast one food item, a request for cash, at least one inputcorresponding to a source of monetary value, wherein the machinereceives at least one input by reading data from a user card, and verbalresponses from a user of the machine to simulated speech outputs fromthe machine; (b) responsive to (a), dispensing the cash to the user at alocation disposed from the machine through operation of a cashdispenser, whereby during at least a portion of the dispensing anotherperson may operate the machine; (c) responsive to (a), providing the atleast one food item to the user at a delivery station remote from themachine; (d) providing output images of a simulated person through adisplay of the machine, wherein the simulated speech outputs appear tothe user to come from the simulated person speaking; and (e) operatingat least one computer to cause the source of monetary value to beassessed a cost associated with the at least one food item and an amountassociated with the dispensed cash.
 17. The method according to claim 16and further comprising: receiving a note into the machine, throughoperation of a note accepting device of the machine.